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Transaction Intelligence is part of GrailPay’s risk evaluation system that helps you assess the safety of a specific funds transfer between two entities. It is designed to provide real-time insight into whether a transaction should be allowed, blocked, or escalated for review based on known risk indicators. To perform a transaction risk evaluation, send a POST request with details about the sender, receiver, and transaction amount. The system returns a structured response containing:
  • Risk Score – A floating-point value between 0 and 1 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.
This allows you to implement programmatic decisioning logic in your payment flows, enabling smarter and safer processing based on risk posture. For full request and response examples, see the Transaction Intelligence API reference.

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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.

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Questions?

If you’re encountering any issues, please reach out to [email protected].