Skip to main content

CheckRisk

POST 
/risk

This is Vouchsafe's headline Risk API.

It gives you an instant picture of the identity fraud risk a customer represents, powered by our real-time fraud intelligence network and premium partner data.

Pass the information you have about a customer, and Vouchsafe will scan our network for signs that an identity might be stolen, synthetic or otherwise risky, using verification data and shared reports made by other businesses using the platform.

You can also run premium enrichments:

  • CREDIT_BUREAU will look for authoritative evidence of a claimed idenity and address in official and semi-official databases from around the world, which you can use as an FCA-compliant eKYC onboarding process.
  • ONLINE_FOOTPRINT will analyse the identity's digital and online history, to determine if it is likely to be legitimate or recently made-up.
  • AML will search over 280 global databases of high-risk entities connected to financial or economic crime, including sanctions, watchlists and politically exposed people.
  • NFD will search the Cifas National Fraud Database to see if the identity is known to be associated with fraud

The more checks you turn on, the more complete the data you send needs to be.

This endpoint always returns a risk_score between 0 and 100, and a recommendation based on that risk, along with extensive metadata so you can explore the discovered trust and risk signals.

This endpoint can form the basis of a transaction monitoring or data-driven KYC/AML system.

Recommendations​

Our Risk API returns one of three recommendations: CLEAR, REVIEW, and REJECT.

Face scan​

The endpoint accepts an optional face_scan — a live selfie or liveness image (JPEG or PNG, max 10 MB). When provided, Radar runs face_linked_to_multiple_identities — checking whether this face has been submitted under different names in the network. Without it, that check returns NOT_PERFORMED.

Address​

When the credit bureau enrichment is turned on, a structured address is required. This should be taken from the results returned by the GET /postcode endpoint.

Sandbox​

In sandbox mode, last_name picks the example you get back. Anything else returns a 400.

last_nameRecommendation
WebbCLEAR
DoeREVIEW
RobertsREJECT

The response carries the example's own identity and id, which opens the same record in your sandbox dashboard.

Request​

Responses​

Risk assessment completed