Review

Customers represent the end users who send or receive payments through your integration. Each customer undergoes automatic identity verification and fraud screening upon creation. Use customers to track payment history, manage bank account connections, and maintain a secure record of all transactions associated with a user. Customers can be either individuals or businesses with appropriate compliance checks for each type.

Review a customer's identity results

CustomerReviewV1 Customers.Review.Get(, )

GET/v1/customers/{id}/review

Update a customer's verification status

CustomerV1 Customers.Review.Decision(, )

PATCH/v1/customers/{id}/review

Update a customer's identity decision

CustomerV1 Customers.Review.RefreshReview(, )

PUT/v1/customers/{id}/refresh_review

ModelsExpand Collapse

class CustomerReviewV1:

required Data Data

required CustomerDetails CustomerDetails

required string ID

Unique identifier for the customer.

formatuuid

required DateTimeOffset CreatedAt

Timestamp of when the customer record was created.

formatdate-time

required string Email

The customer's email address.

formatemail

required string Name

Full name of the individual or business name.

required string Phone

The customer's phone number in E.164 format.

required Status Status

One of the following:

required Type Type

One of the following:

required DateTimeOffset UpdatedAt

Timestamp of the most recent update to the customer record.

formatdate-time

CustomerAddressV1? Address

An object containing the customer's address. This is optional, but if provided, all required fields must be present.

required string Address1

Primary address line (e.g., street, PO Box).

maxLength100

required string City

City, district, suburb, town, or village.

maxLength100

required string State

Two-letter state code.

required string Zip

Zip or postal code.

string? Address2

Secondary address line (e.g., apartment, suite, unit, or building).

maxLength100

ComplianceProfile? ComplianceProfile

PII required to trigger Patriot Act compliant KYC verification.

One of the following:

class IndividualComplianceProfile:

PII required to trigger Patriot Act compliant KYC verification.

required DateOnly? Dob

Masked date of birth in ****-- format.

formatdate

required string? Ssn

Masked Social Security Number in the format --***.

class BusinessComplianceProfile:

Business registration data required to trigger Patriot Act compliant KYB verification.

required string? Ein

Masked Employer Identification Number in the format -*****

required string? LegalBusinessName

The official registered name of the business. This name should be correlated with the ein value.

IReadOnlyList<Representative>? Representatives

A list of people related to the company. Only valid where customer type is 'business'.

required string Name

string? Email

string? Phone

string? Website

Official business website URL. Optional but recommended for enhanced KYB.

formaturi

Config Config

ProcessingMethod ProcessingMethod

One of the following:

SandboxOutcome SandboxOutcome

One of the following:

Device Device

required string IPAddress

The customer's IP address at the time of profile creation. Use 0.0.0.0 to represent an offline customer registration.

minLength1

formatipv4

string? ExternalID

Unique identifier for the customer in your database, used for cross-referencing between Straddle and your systems.

IReadOnlyDictionary<string, string>? Metadata

Up to 20 additional user-defined key-value pairs. Useful for storing additional information about the customer in a structured format.

IdentityDetails IdentityDetails

required Breakdown Breakdown

Detailed breakdown of the customer verification results, including decisions, risk scores, correlation score, and more.

IdentityVerificationBreakdownV1 Address

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

IdentityVerificationBreakdownV1 BusinessEvaluation

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

IdentityVerificationBreakdownV1 BusinessIdentification

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

IdentityVerificationBreakdownV1 BusinessValidation

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

IdentityVerificationBreakdownV1 Email

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

IdentityVerificationBreakdownV1 Fraud

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

IdentityVerificationBreakdownV1 Phone

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

IdentityVerificationBreakdownV1 Synthetic

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble

required DateTimeOffset CreatedAt

Timestamp of when the review was initiated.

formatdate-time

required Decision Decision

One of the following:

required string ReviewID

Unique identifier for the review.

formatuuid

required DateTimeOffset UpdatedAt

Timestamp of the most recent update to the review.

formatdate-time

Kyc Kyc

required Validations Validations

Boolean values indicating the result of each validation in the KYC process.

Boolean Address

Boolean City

Boolean Dob

Boolean Email

Boolean FirstName

Boolean LastName

Boolean Phone

Boolean Ssn

Boolean State

Boolean Zip

IReadOnlyList<string>? Codes

List of specific result codes from the KYC screening process.

Decision Decision

One of the following:

IReadOnlyDictionary<string, string>? Messages

Dictionary of all messages from the customer verification process.

NetworkAlerts NetworkAlerts

IReadOnlyList<string>? Alerts

Any alerts or flags raised during the consortium alert screening.

IReadOnlyList<string>? Codes

List of specific result codes from the consortium alert screening.

Decision Decision

One of the following:

Reputation Reputation

IReadOnlyList<string>? Codes

Specific codes related to the Straddle reputation screening results.

Decision Decision

One of the following:

Insights Insights

Int? AccountsActiveCount

Int? AccountsClosedCount

IReadOnlyList<DateOnly>? AccountsClosedDates

Int? AccountsCount

Int? AccountsFraudCount

IReadOnlyList<DateOnly>? AccountsFraudLabeledDates

Double? AccountsFraudLossTotalAmount

Int? AchFraudTransactionsCount

IReadOnlyList<DateOnly>? AchFraudTransactionsDates

Double? AchFraudTransactionsTotalAmount

Int? AchReturnedTransactionsCount

IReadOnlyList<DateOnly>? AchReturnedTransactionsDates

Double? AchReturnedTransactionsTotalAmount

Int? ApplicationsApprovedCount

Int? ApplicationsCount

IReadOnlyList<DateOnly>? ApplicationsDates

Int? ApplicationsDeclinedCount

Int? ApplicationsFraudCount

Int? CardDisputedTransactionsCount

IReadOnlyList<DateOnly>? CardDisputedTransactionsDates

Double? CardDisputedTransactionsTotalAmount

Int? CardFraudTransactionsCount

IReadOnlyList<DateOnly>? CardFraudTransactionsDates

Double? CardFraudTransactionsTotalAmount

Int? CardStoppedTransactionsCount

IReadOnlyList<DateOnly>? CardStoppedTransactionsDates

Int? UserActiveProfileCount

Int? UserAddressCount

Int? UserClosedProfileCount

Int? UserDobCount

Int? UserEmailCount

Int? UserInstitutionCount

Int? UserMobileCount

Double? RiskScore

WatchList WatchList

IReadOnlyList<string>? Codes

Specific codes related to the Straddle watchlist screening results.

Decision Decision

One of the following:

IReadOnlyList<string>? Matched

Information about any matches found during screening.

IReadOnlyList<Match>? Matches

Information about any matches found during screening.

required Correlation Correlation

One of the following:

required string ListName

The name of the list the match was found.

required IReadOnlyList<string> MatchFields

Data fields that matched.

required IReadOnlyList<string> Urls

Relevent Urls to review.

required ResponseMetadata Meta

Metadata about the API request, including an identifier and timestamp.

required string ApiRequestID

Unique identifier for this API request, useful for troubleshooting.

formatuuid

required DateTimeOffset ApiRequestTimestamp

Timestamp for this API request, useful for troubleshooting.

formatdate-time

required ResponseType ResponseType

Indicates the structure of the returned content.

"object" means the data field contains a single JSON object.
"array" means the data field contains an array of objects.
"error" means the data field contains an error object with details of the issue.
"none" means no data is returned.

One of the following:

class IdentityVerificationBreakdownV1:

IReadOnlyList<string>? Codes

List of specific result codes from the fraud and risk screening.

Correlation Correlation

One of the following:

Double? CorrelationScore

Represents the strength of the correlation between provided and known information. A higher score indicates a stronger correlation.

formatdouble

Decision Decision

One of the following:

Double? RiskScore

Predicts the inherent risk associated with the customer for a given module. A higher score indicates a greater likelihood of fraud.

formatdouble