- Risk Score – A floating-point value between
0
and1
that reflects the probability that the transaction will succeed without issues. A lower score indicates higher risk; a higher score suggests a safer transaction. - Validity Expiration – A UTC timestamp that indicates how long the evaluation remains valid before it should be refreshed.
Usage Recommendations
- Run Transaction Intelligence on every ACH transfer to detect elevated fraud or return risks in advance.
- Use the
risk_score
as part of your transaction approval logic—e.g., auto-block transactions below a certain threshold or trigger manual review. - Cache and store the
validity_expiration
timestamp to avoid unnecessary revalidation for repeated transactions within a short timeframe. - For best results, ensure that all identity and transaction metadata is as complete and accurate as possible.