Beyond GO / NO-GO. A full suite of read-only APIs that let you explain decisions, understand corridor health, prove value, and verify trust — for every payment, every time.
Intelligence API Reference
Returns the full provenance of all 7 signals that contributed to a decision. Every signal includes its raw risk value, human label, category, data source, and per-signal confidence. Designed for compliance officers who need to know exactly why a decision was made.
Returns the current PAYKX assessment of a corridor as a whole — not tied to any single transaction. Shows OPERATIONAL / DEGRADED / IMPAIRED status with fx, network, settlement, liquidity, and compliance signal buckets. Explicitly labels which signals are live vs simulated.
Estimates the risk this transaction would have carried if it went unscreened, using PSR/FCA cross-border payment failure benchmarks. Returns risk_exposure_reduced (not "loss avoided" — a legally careful framing) with confidence level and calculation basis.
A public 16-item checklist showing exactly what is production-ready and what is on the roadmap. Sandbox capability is complete. Most startups hide gaps — PAYKX shows them, with timelines. Built for enterprise procurement teams and technical due diligence reviews.
Returns a structured event log of every stage during a decision — from request receipt and idempotency check, through signal evaluation and network probe, to verdict and audit persistence. 10 timestamped events per decision. Designed for compliance audits and debugging.
Submit any historical payment description and get back what PAYKX would have decided at that point. The evidence engine for retrospective compliance review: "Would PAYKX have flagged this?" Returns the full 7-signal breakdown and recommended action against the current model.
Returns the operational status of every data feed, clearly separated into available today and roadmap. No simulation vs live feeds are mixed — each entry explicitly states its source and last updated date. Enterprise buyers use this for due diligence.
Returns the calling API key's organisation configuration: permitted corridors, enabled features, rate limits, role definitions, and usage stats. Scoped to the calling key — each operator sees only their own settings. Foundation for multi-tenant enterprise onboarding.
How PAYKX intelligence compares
| Capability | PAYKX Rail | Typical fraud monitor | Card network (Visa/MC) |
|---|---|---|---|
| /signals provenance | ✓ Full per-signal audit | — Black box | — Not exposed |
| Corridor-level health | ✓ OPERATIONAL / DEGRADED | — Transaction only | — Not available |
| Counterfactual impact | ✓ Risk exposure estimate | — Not provided | — Not provided |
| Decision timeline | ✓ 10-event audit log | — Partial at best | — Not accessible |
| Historical replay | ✓ POST /replay | — Rare | — Not available |
| Feed transparency | ✓ Live vs sim, separated | — Not disclosed | — Not disclosed |
| Readiness checklist | ✓ 16-item public checklist | — SOC 2 only | — Not applicable |
| Pre-execution (not post) | ✓ Before money moves | — Post-transaction | — At auth layer only |
All intelligence APIs are available on your sandbox key. Production access unlocks live feeds and additional corridors.