🚧
Account configuration is required before testing transactions
If you are interested in access to this feature, please contact support@paymongo.com!

The PayMongo Fraud Scores API provides programmatic access to real-time risk assessment for payments. It allows you to retrieve, calculate, and analyze fraud risk scores for transactions, enabling automated decision-making and fraud prevention.

PayMongo’s scoring engine analyzes multiple signals—including behavioral, device, geographic, and payment details—to produce a risk score from 0 to 1000 for each transaction. Scores are accompanied by a decision (fraud or legit) and a reason, helping you understand risk drivers and integrate automated interventions.

Automatic Scoring for PayMongo Customers

For transactions processed through PayMongo’s payment platform, fraud scores are generated automatically behind the scenes. PayMongo customers do not need to explicitly call the Scores API; each transaction will be evaluated and assigned a risk score as part of the normal payment workflow.

API Usage for Third Parties

The Scores API is primarily intended for third-party platforms and integrators who wish to perform risk scoring on transactions outside the PayMongo payment system. Third parties can submit transaction data to the API to receive a fraud risk score, decision, and reason for their own payment flows or business logic.