> ## Documentation Index > Fetch the complete documentation index at: https://docs.meld.io/llms.txt > Use this file to discover all available pages before exploring further. # Create a risk analysis > Perform an ACH risk analysis and create associated records ## OpenAPI ````yaml /openapi/payments-20260203.json post /payments/risk-analysis openapi: 3.1.0 info: title: PAYMENTS termsOfService: urn:tos license: name: Apache 2.0 url: https://springdoc.org version: '2026-02-03' description: '' servers: - url: https://api-sb.meld.io description: Meld API sandbox - url: https://api.meld.io description: Meld API production security: [] tags: - name: Payment description: '' paths: /payments/risk-analysis: post: tags: - Risk summary: Create a risk analysis description: Perform an ACH risk analysis and create associated records operationId: /payments-transactions-risk-analysis parameters: - name: X-Idempotency-Key in: header required: false schema: type: string format: uuid requestBody: content: application/json: schema: $ref: '#/components/schemas/RiskAnalysisRequest' example: achClass: CCD amount: '10.50' currencyCode: USD required: true responses: '201': description: Risk analysis created successfully content: '*/*': schema: $ref: '#/components/schemas/RiskAnalysisResponse' '400': description: 'Bad Request : check request values and format' '401': description: Invalid credentials '403': description: Unauthenticated or authenticated with insufficient access '425': description: It is too early for a retry content: '*/*': schema: $ref: '#/components/schemas/ErrorResponse' '500': description: Internal Error content: '*/*': schema: $ref: '#/components/schemas/ErrorResponse' security: - ApiKeyAuth: [] components: schemas: RiskAnalysisRequest: type: object properties: achClass: type: string description: The ACH class of the transaction (CCD, PPD, TEL, WEB) enum: - CCD - PPD - TEL - WEB amount: type: number description: Amount intended to be sent by this transaction example: '10.50' currencyCode: type: string description: >- Three-letter ISO currency code, in lowercase. Must be a supported currency example: USD minLength: 1 name: description: Customer name allOf: - $ref: '#/components/schemas/CustomerName' plaidTransferAccountFields: description: The id and token for a Plaid account used in a transfer allOf: - $ref: '#/components/schemas/PlaidTransferAccountFields' serviceProvider: type: string description: The service provider used for this transaction. enum: - 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 type: type: string description: The type of the transaction, either CHARGE or PAYOUT enum: - CHARGE - REFUND - CRYPTO_PURCHASE - CRYPTO_PURCHASE_SWAP - CRYPTO_SELL - CRYPTO_SELL_SWAP - CRYPTO_TRANSFER - PAYOUT required: - achClass - amount - currencyCode RiskAnalysisResponse: type: object properties: decision: type: string decisionRationale: $ref: '#/components/schemas/DecisionRationale' risk: $ref: '#/components/schemas/Risk' serviceProvider: type: string enum: - 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 serviceProviderTransferAuthorizationId: type: string ErrorResponse: type: object properties: code: type: string displayMessage: type: string errors: type: array items: type: string message: type: string requestId: type: string serviceProviderDetails: type: object additionalProperties: {} timestamp: type: string format: date-time CustomerName: type: object properties: firstName: type: string description: Your customer's first name lastName: type: string description: Your customer's last name PlaidTransferAccountFields: type: object description: The id and token for a Plaid account used in a transfer properties: accessToken: type: string description: >- The Plaid access_token for the account that will be debited or credited. minLength: 1 accountId: type: string description: >- The Plaid account_id corresponding to the end-user account that will be debited or credited. minLength: 1 required: - accessToken - accountId DecisionRationale: type: object properties: code: type: string description: type: string Risk: type: object properties: bankInitiatedReturnScore: type: integer format: int32 customerInitiatedReturnScore: type: integer format: int32 riskLevel: type: string securitySchemes: ApiKeyAuth: type: apiKey in: header name: Authorization x-default: BASIC ````