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

customers.review.get(id, **kwargs) -> CustomerReviewV1 { data, meta, response_type }

GET/v1/customers/{id}/review

Update a customer's verification status

customers.review.decision(id, **kwargs) -> CustomerV1 { data, meta, response_type }

PATCH/v1/customers/{id}/review

Update a customer's identity decision

customers.review.refresh_review(id, **kwargs) -> CustomerV1 { data, meta, response_type }

PUT/v1/customers/{id}/refresh_review

ModelsExpand Collapse

class CustomerReviewV1 { data, meta, response_type }

data: { customer_details, identity_details}

customer_details: { id, created_at, email, 11 more}

id: String

Unique identifier for the customer.

formatuuid

created_at: Time

Timestamp of when the customer record was created.

formatdate-time

email: String

The customer's email address.

formatemail

name: String

Full name of the individual or business name.

phone: String

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

status: :pending | :review | :verified | 2 more

One of the following:

:pending

:review

:verified

:inactive

:rejected

type: :individual | :business

One of the following:

:individual

:business

updated_at: Time

Timestamp of the most recent update to the customer record.

formatdate-time

address: CustomerAddressV1 { address1, city, state, 2 more }

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

address1: String

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

maxLength100

city: String

City, district, suburb, town, or village.

maxLength100

state: String

Two-letter state code.

zip: String

Zip or postal code.

address2: String

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

maxLength100

compliance_profile: { dob, ssn} | { ein, legal_business_name, representatives, website}

PII required to trigger Patriot Act compliant KYC verification.

One of the following:

class IndividualComplianceProfile { dob, ssn }

PII required to trigger Patriot Act compliant KYC verification.

dob: Date

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

formatdate

ssn: String

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

class BusinessComplianceProfile { ein, legal_business_name, representatives, website }

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

ein: String

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

legal_business_name: String

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

representatives: Array[{ name, email, phone}]

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

name: String

email: String

phone: String

website: String

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

formaturi

config: { processing_method, sandbox_outcome}

processing_method: :inline | :background | :skip

One of the following:

:inline

:background

:skip

sandbox_outcome: :standard | :verified | :rejected | :review

One of the following:

:standard

:verified

:rejected

:review

device: { ip_address}

ip_address: String

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

minLength1

formatipv4

external_id: String

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

metadata: Hash[Symbol, String]

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

identity_details: { breakdown, created_at, decision, 7 more}

breakdown: { address, business_evaluation, business_identification, 5 more}

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

address: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

business_evaluation: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

business_identification: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

business_validation: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

email: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

fraud: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

phone: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

synthetic: IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble

created_at: Time

Timestamp of when the review was initiated.

formatdate-time

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

review_id: String

Unique identifier for the review.

formatuuid

updated_at: Time

Timestamp of the most recent update to the review.

formatdate-time

kyc: { validations, codes, decision}

validations: { address, city, dob, 7 more}

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

address: bool

city: bool

dob: bool

email: bool

first_name: bool

last_name: bool

phone: bool

ssn: bool

state: bool

zip: bool

codes: Array[String]

List of specific result codes from the KYC screening process.

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

messages: Hash[Symbol, String]

Dictionary of all messages from the customer verification process.

network_alerts: { alerts, codes, decision}

alerts: Array[String]

Any alerts or flags raised during the consortium alert screening.

codes: Array[String]

List of specific result codes from the consortium alert screening.

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

reputation: { codes, decision, insights, risk_score}

codes: Array[String]

Specific codes related to the Straddle reputation screening results.

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

insights: { accounts_active_count, accounts_closed_count, accounts_closed_dates, 30 more}

accounts_active_count: Integer

accounts_closed_count: Integer

accounts_closed_dates: Array[Date]

accounts_count: Integer

accounts_fraud_count: Integer

accounts_fraud_labeled_dates: Array[Date]

accounts_fraud_loss_total_amount: Float

ach_fraud_transactions_count: Integer

ach_fraud_transactions_dates: Array[Date]

ach_fraud_transactions_total_amount: Float

ach_returned_transactions_count: Integer

ach_returned_transactions_dates: Array[Date]

ach_returned_transactions_total_amount: Float

applications_approved_count: Integer

applications_count: Integer

applications_dates: Array[Date]

applications_declined_count: Integer

applications_fraud_count: Integer

card_disputed_transactions_count: Integer

card_disputed_transactions_dates: Array[Date]

card_disputed_transactions_total_amount: Float

card_fraud_transactions_count: Integer

card_fraud_transactions_dates: Array[Date]

card_fraud_transactions_total_amount: Float

card_stopped_transactions_count: Integer

card_stopped_transactions_dates: Array[Date]

user_active_profile_count: Integer

user_address_count: Integer

user_closed_profile_count: Integer

user_dob_count: Integer

user_email_count: Integer

user_institution_count: Integer

user_mobile_count: Integer

risk_score: Float

watch_list: { codes, decision, matched, matches}

codes: Array[String]

Specific codes related to the Straddle watchlist screening results.

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

matched: Array[String]

Information about any matches found during screening.

matches: Array[{ correlation, list_name, match_fields, urls}]

Information about any matches found during screening.

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

list_name: String

The name of the list the match was found.

match_fields: Array[String]

Data fields that matched.

urls: Array[String]

Relevent Urls to review.

meta: ResponseMetadata { api_request_id, api_request_timestamp }

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

api_request_id: String

Unique identifier for this API request, useful for troubleshooting.

formatuuid

api_request_timestamp: Time

Timestamp for this API request, useful for troubleshooting.

formatdate-time

response_type: :object | :array | :error | :none

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:

:object

:array

:error

:none

class IdentityVerificationBreakdownV1 { codes, correlation, correlation_score, 2 more }

codes: Array[String]

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

correlation: :low_confidence | :potential_match | :likely_match | :high_confidence

One of the following:

:low_confidence

:potential_match

:likely_match

:high_confidence

correlation_score: Float

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

formatdouble

decision: :accept | :reject | :review

One of the following:

:accept

:reject

:review

risk_score: Float

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

formatdouble