SEON Fraud API

openapi: 3.0.1
info:
  title: SEON REST AML Fraud API
  description: SEON's fraud prevention and anti-money-laundering REST API. Combines digital-footprint analysis, device fingerprinting, and machine-learning risk scoring to return real-time fraud scores and enriched intelligence from an email address, phone number, IP address, or full transaction payload, plus AML screening and transaction labeling. All requests authenticate with an X-API-KEY header and are case-sensitive.
  termsOfService: https://seon.io/legal/terms-and-conditions/
  contact:
    name: SEON Support
    email: support@seon.io
    url: https://docs.seon.io
  version: '2.0'
servers:
- url: https://api.seon.io
  description: Primary (EU) transaction processing environment
security:
- ApiKeyAuth: []
tags:
- name: Fraud
  description: Combined transaction fraud scoring.
paths:
  /SeonRestService/fraud-api/v2.0:
    post:
      operationId: scoreFraud
      tags:
      - Fraud
      summary: Score a transaction for fraud
      description: Submits a combined transaction payload (user, transaction, payment, device, email, phone, and IP signals) and returns a fraud_score, a state decision, and the applied_rules that fired, enriched with module details for email, phone, IP, BIN, device, and AML.
      requestBody:
        required: true
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/FraudRequest'
      responses:
        '200':
          description: Fraud scoring result.
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/FraudResponse'
        '401':
          $ref: '#/components/responses/Unauthorized'
components:
  schemas:
    FraudResponse:
      type: object
      properties:
        success:
          type: boolean
        error:
          $ref: '#/components/schemas/Error'
        data:
          type: object
          properties:
            id:
              type: string
            state:
              type: string
              description: Decision such as APPROVE, REVIEW, or DECLINE.
            fraud_score:
              type: number
            applied_rules:
              type: array
              items:
                $ref: '#/components/schemas/AppliedRule'
            calculation_time:
              type: integer
              description: Processing time in milliseconds.
            email_details:
              type: object
            phone_details:
              type: object
            ip_details:
              type: object
            bin_details:
              type: object
            device_details:
              type: object
            aml_details:
              type: object
    FraudRequest:
      type: object
      properties:
        config:
          type: object
          description: Per-module configuration controlling which enrichments run.
        ip:
          type: string
          description: IP address associated with the transaction.
        email:
          type: string
          description: Email address associated with the user.
        phone_number:
          type: string
          description: Phone number in international format.
        user_fullname:
          type: string
        user_id:
          type: string
        transaction_id:
          type: string
          maxLength: 255
        transaction_amount:
          type: number
        transaction_currency:
          type: string
          maxLength: 4
        card_hash:
          type: string
          maxLength: 500
        card_bin:
          type: string
          maxLength: 15
        session:
          type: string
          description: Device fingerprinting session payload.
        custom_fields:
          type: object
          description: Arbitrary key/value pairs used in custom rules.
    AppliedRule:
      type: object
      properties:
        id:
          type: string
        name:
          type: string
        operation:
          type: string
        score:
          type: number
    GenericResponse:
      type: object
      properties:
        success:
          type: boolean
        error:
          $ref: '#/components/schemas/Error'
        data:
          type: object
    Error:
      type: object
      properties:
        code:
          type: string
        message:
          type: string
  responses:
    Unauthorized:
      description: Authentication failed - missing or invalid X-API-KEY.
      content:
        application/json:
          schema:
            $ref: '#/components/schemas/GenericResponse'
  securitySchemes:
    ApiKeyAuth:
      type: apiKey
      in: header
      name: X-API-KEY
      description: SEON license key sent as the X-API-KEY request header.