Create a risk analysis
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"
}Risk
Create a risk analysis
Perform an ACH risk analysis and create associated records
POST
/
payments
/
risk-analysis
Create a risk analysis
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"
}Authorizations
Headers
Dated API version to use for this request, e.g. 2026-02-03.
Example:
"2026-02-03"
Body
application/json
The ACH class of the transaction (CCD, PPD, TEL, WEB)
Available options:
CCD, PPD, TEL, WEB Amount intended to be sent by this transaction
Example:
"10.50"
Three-letter ISO currency code, in lowercase. Must be a supported currency
Minimum string length:
1Example:
"USD"
Customer name
Show child attributes
Show child attributes
The id and token for a Plaid account used in a transfer
Show child attributes
Show child attributes
The service provider used for this transaction.
Available options:
ACROSS, AEROPAY, AKOYA, ALCHEMYPAY, APPLEPAY, AUTHORIZENET, BANXA, BILIRA, BINANCECONNECT, BINANCEPAY, BLOCKCHAINDOTCOM, BOOMFI, BRAINTREE, BRALE, BTCDIRECT, CASHAPP, CHECKOUT, CIRCLE, COINBASEPAY, COINFLOW, DUENETWORK, ELDORADO, FINICITY, FLASHNET, FONBNK, GUARDARIAN, HARBOUR, KOYWE, KRYPTONIM, MERCURYO, MESH, MESO, MOONPAY, MOOV, MX, NMI, NOAH, ONMETA, ONRAMPMONEY, PAYBIS, PAYPAL, PLAID, RAMP, REVOLUT, ROBINHOOD, ROUTERPROTOCOL, SALTEDGE, SALTEDGEPARTNERS, SARDINE, SHIFT4, SHOPIFY, SIMPLEX, SKRILLCRYPTO, SQUARE, STRIPE, SUMSUB, SWAPPED, TANGOCARD, TELLER, TOPPER, TRANSAK, TREMENDOUS, TRANSFI, UNLIMIT, WYRE, XANPOOL, YELLOWCARD, YODLEE The type of the transaction, either CHARGE or PAYOUT
Available options:
CHARGE, REFUND, CRYPTO_PURCHASE, CRYPTO_PURCHASE_SWAP, CRYPTO_SELL, CRYPTO_SELL_SWAP, CRYPTO_TRANSFER, PAYOUT Response
Risk analysis created successfully
Show child attributes
Show child attributes
Show child attributes
Show child attributes
Available options:
ACROSS, AEROPAY, AKOYA, ALCHEMYPAY, APPLEPAY, AUTHORIZENET, BANXA, BILIRA, BINANCECONNECT, BINANCEPAY, BLOCKCHAINDOTCOM, BOOMFI, BRAINTREE, BRALE, BTCDIRECT, CASHAPP, CHECKOUT, CIRCLE, COINBASEPAY, COINFLOW, DUENETWORK, ELDORADO, FINICITY, FLASHNET, FONBNK, GUARDARIAN, HARBOUR, KOYWE, KRYPTONIM, MERCURYO, MESH, MESO, MOONPAY, MOOV, MX, NMI, NOAH, ONMETA, ONRAMPMONEY, PAYBIS, PAYPAL, PLAID, RAMP, REVOLUT, ROBINHOOD, ROUTERPROTOCOL, SALTEDGE, SALTEDGEPARTNERS, SARDINE, SHIFT4, SHOPIFY, SIMPLEX, SKRILLCRYPTO, SQUARE, STRIPE, SUMSUB, SWAPPED, TANGOCARD, TELLER, TOPPER, TRANSAK, TREMENDOUS, TRANSFI, UNLIMIT, WYRE, XANPOOL, YELLOWCARD, YODLEE