socure

Socure Decision API

Socure's rule-based decisioning module returns a single deterministic outcome — accept, reject, review, refer, or resubmit — derived from ID+ module scores and customer-configured rules. Decision rules are authored in the Socure Console and applied on every ID+ call when the `decision.module` block is included in the request modules array.

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OpenAPI Specification

openapi: 3.0.3
info:
  title: Socure Account Intelligence Decision API
  version: '3.0'
  description: 'Real-time validation of US bank accounts — verifying open/closed status,

    ownership (name match), and account-type signals. Powers funding-account checks

    for fintech onboarding, payroll, and ACH origination flows without requiring

    micro-deposits or end-user credentials.

    '
servers:
- url: https://api.socure.com
  description: Production
- url: https://sandbox.socure.com
  description: Sandbox
security:
- SocureToken: []
tags:
- name: Decision
paths:
  /api/3.0/EmailAuthScore:
    post:
      tags:
      - Decision
      operationId: evaluateDecision
      summary: Evaluate A Decision
      description: 'Invoke the Decision module alongside other ID+ modules. The Decision block in

        the response carries the configured rule set name, version, and the resulting

        outcome.

        '
      requestBody:
        required: true
        content:
          application/json:
            schema:
              type: object
              required:
              - modules
              properties:
                modules:
                  type: array
                  items:
                    type: string
                    enum:
                    - decision
                    - kyc
                    - sigma
                    - synthetic
                    - watchlist
                customerUserId:
                  type: string
                firstName:
                  type: string
                surName:
                  type: string
                dob:
                  type: string
                  format: date
                nationalId:
                  type: string
      responses:
        '200':
          description: Decision result.
          content:
            application/json:
              schema:
                type: object
                properties:
                  referenceId:
                    type: string
                  decision:
                    type: object
                    properties:
                      name:
                        type: string
                      value:
                        type: string
                        enum:
                        - accept
                        - reject
                        - review
                        - refer
                        - resubmit
                      ruleSet:
                        type: string
                      version:
                        type: string
components:
  securitySchemes:
    SocureToken:
      type: apiKey
      in: header
      name: Authorization