Documentation

Everything you need to get started.

Guides, API reference, and integration documentation for HighRiskIntel.

Getting Started

Quick Start

Connect your processor and start monitoring in under 10 minutes.

Account Setup

Create your account, complete merchant intake, and configure risk settings.

Processor Connection

Supported processors: Stripe, Checkout.com, Adyen, MXMerchant, Authorize.net.

Dashboard

Risk Score

How the 0–100 merchant risk score is calculated and what it means.

Authorization Health

Understanding approval rates, decline rates, and baseline deviation.

Chargeback Exposure

Dispute ratio monitoring, thresholds, and mitigation actions.

Volume Behavior

Daily volume tracking, spike detection, and cross-border analysis.

Alerts

Alert Types

Chargeback spikes, auth drops, volume anomalies, refund latency.

Severity Levels

Critical, Warning, Low — when each fires and what to do.

Mitigation Actions

Recommended response actions for each alert type.

Notification Settings

Configure email and SMS alerts in Settings.

Risk Engine

Scoring Formula

Dispute ratio (40pts) + Auth deviation (20pts) + Volume spike (15pts) + Refund ratio (15pts) + Cross-border (10pts).

Transaction Scoring

Per-transaction 0–100 risk scoring using BIN, country, velocity, email, and amount signals.

Status Thresholds

Stable: 0–40. Elevated: 41–70. Critical: 71–100.

Integrations

Stripe

Full live integration — transactions, disputes, payouts.

Checkout.com

Webhook-based event streaming.

Adyen

Authorization and dispute event integration.

MXMerchant

High-risk processor connectivity.

Authorize.net

ARB and transaction-level sync.

API Reference

POST /api/risk-score

Score an individual transaction. Rate limited to 100 req/min.

GET /api/dashboard/overview

Returns full merchant risk overview including score, alerts, and metrics.

GET /api/alerts

Returns merchant alert feed.

GET /api/transactions

Paginated transaction list with risk filter support.

API Reference

Transaction Risk Score API

Score any transaction in real-time. Returns a 0–100 risk score with signals and a recommended action (approve / review / block).

  • ✓ Rate limited: 100 req/min
  • ✓ Returns: score, action, signals
  • ✓ Sub-100ms response
  • ✓ No PAN required
POST/api/risk-score
{
  "amount": 349.00,
  "country": "NG",
  "cardBin": "523456",
  "email": "user@tempmail.com",
  "ipVelocityCount": 2,
  "binVelocityCount": 1
}

// Response
{
  "riskScore": 91,
  "action": "block",
  "reason": "Risk exceeds threshold.",
  "signals": {
    "country_risk": 24,
    "bin_risk": 15,
    "email_risk": 10,
    "amount_risk": 12
  }
}