---
title: "Create a risk analysis"
method: POST
path: "/payments/risk-analysis"
tags: ["Risk"]
---

# Create a risk analysis

`POST /payments/risk-analysis`

Perform an ACH risk analysis and create associated records

## Headers

- `X-Idempotency-Key` string, uuid

## Request body

- RiskAnalysisRequest
  - `achClass` 'CCD' | 'PPD' | 'TEL' | 'WEB', required — The ACH class of the transaction (CCD, PPD, TEL, WEB)
  - `amount` number, required — Amount intended to be sent by this transaction
  - `currencyCode` string, required — Three-letter ISO currency code, in lowercase. Must be a supported currency
  - `name` CustomerName
    - `firstName` string — Your customer's first name
    - `lastName` string — Your customer's last name
  - `plaidTransferAccountFields` PlaidTransferAccountFields — The id and token for a Plaid account used in a transfer
    - `accessToken` string, required — The Plaid access_token for the account that will be debited or credited.
    - `accountId` string, required — The Plaid account_id corresponding to the end-user account that will be debited or credited.
  - `serviceProvider` '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 service provider used for this transaction.
  - `type` 'CHARGE' | 'REFUND' | 'CRYPTO_PURCHASE' | 'CRYPTO_PURCHASE_SWAP' | 'CRYPTO_SELL' | 'CRYPTO_SELL_SWAP' | 'CRYPTO_TRANSFER' | 'PAYOUT' — The type of the transaction, either CHARGE or PAYOUT

## Response `201`

Risk analysis created successfully

## Other responses

- `400` — Bad Request : check request values and format
- `401` — Invalid credentials
- `403` — Unauthenticated or authenticated with insufficient access
- `425` — It is too early for a retry
- `500` — Internal Error

---

[API](https://skmtc.net/meld/apis/bank-linking.md) · [All operations](https://skmtc.net/meld/apis/bank-linking/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/meld/bank-linking/revisions/818d6079a611/schema)