curl --request POST \
  --url https://api-sb.meld.io/payments/risk-analysis \
  --header 'Authorization: <api-key>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "achClass": "CCD",
  "amount": "10.50",
  "currencyCode": "USD"
}
'

import requests

url = "https://api-sb.meld.io/payments/risk-analysis"

payload = {
    "achClass": "CCD",
    "amount": "10.50",
    "currencyCode": "USD"
}
headers = {
    "Authorization": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({achClass: 'CCD', amount: '10.50', currencyCode: 'USD'})
};

fetch('https://api-sb.meld.io/payments/risk-analysis', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api-sb.meld.io/payments/risk-analysis",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'achClass' => 'CCD',
    'amount' => '10.50',
    'currencyCode' => 'USD'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: <api-key>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api-sb.meld.io/payments/risk-analysis"

	payload := strings.NewReader("{\n  \"achClass\": \"CCD\",\n  \"amount\": \"10.50\",\n  \"currencyCode\": \"USD\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "<api-key>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api-sb.meld.io/payments/risk-analysis")
  .header("Authorization", "<api-key>")
  .header("Content-Type", "application/json")
  .body("{\n  \"achClass\": \"CCD\",\n  \"amount\": \"10.50\",\n  \"currencyCode\": \"USD\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api-sb.meld.io/payments/risk-analysis")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"achClass\": \"CCD\",\n  \"amount\": \"10.50\",\n  \"currencyCode\": \"USD\"\n}"

response = http.request(request)
puts response.read_body

{
  "decision": "<string>",
  "decisionRationale": {
    "code": "<string>",
    "description": "<string>"
  },
  "risk": {
    "bankInitiatedReturnScore": 123,
    "customerInitiatedReturnScore": 123,
    "riskLevel": "<string>"
  },
  "serviceProvider": "ACROSS",
  "serviceProviderTransferAuthorizationId": "<string>"
}

{
  "code": "<string>",
  "errors": [
    "<string>"
  ],
  "message": "<string>",
  "requestId": "<string>",
  "serviceProviderDetails": {
    "code": "5034",
    "message": "Digital currency and blockchain combination is restricted for customer's country"
  },
  "timestamp": "2026-08-14T09:41:22.482+00:00"
}

{
  "code": "<string>",
  "errors": [
    "<string>"
  ],
  "message": "<string>",
  "requestId": "<string>",
  "serviceProviderDetails": {
    "code": "5034",
    "message": "Digital currency and blockchain combination is restricted for customer's country"
  },
  "timestamp": "2026-08-14T09:41:22.482+00:00"
}