Risk Details

Overview

The risk_details object provides additional contextual information about the transaction and the customer environment.

These details help banks assess the legitimacy of a payment and improve fraud detection accuracy as part of their transaction processing.

Lean will try to fill in as much of the risk_details object as possible, but as it's a requirement from legislative bodies, please provide as much information as possible.

❗️
Please refer to the attached API spec for a full list of fields and values.

{
  "transaction_indicators": {
    "channel": "WEB",
    "is_customer_present": true,
    "is_contract_present": true,
    "channel_type": "ECOMMERCE",
    "sub_channel_type": "WEB_BROWSER",
    "merchant_risk": {
      "delivery_timeframe": "SAME_DAY_SHIPPING",
      "reorder_items_indicator": "FIRST_TIME_ORDER",
      "pre_order_purchase_indicator": "MERCHANDISE_AVAILABLE",
      "is_gift_card_purchase": false,
      "is_delivery_address_matching_billing": true,
      "address_match_level": "FULL_MATCH"
    },
    "supplementary_data": {
      "session_id": "a9d3e51f-92b1-4f4d-a4e8-6cbfeab9f472",
      "customer_ip": "192.168.10.25"
    }
  },
  "debtor_indicators": {
    "authentication": {
      "authentication_channel": "WEB",
      "possession_factor": {
        "is_used": true,
        "type": "SMS_OTP"
      },
      "knowledge_factor": {
        "is_used": true,
        "type": "PASSWORD"
      },
      "inherence_factor": {
        "is_used": false
      },
      "challenge_outcome": "PASS",
      "authentication_flow": "MFA",
      "challenge_date_time": "2025-10-20T12:45:32Z"
    },
    "geo_location": {
      "latitude": 25.2048,
      "longitude": 55.2708
    }
  },
  "destination_delivery_address": {
    "recipient_type": "CORPORATE",
    "recipient_name": {
      "en": "John Doe"
    },
    "national_address": [
      {
        "address_type": "BUSINESS",
        "address_line": "11 Corniche Rd W",
        "building_number": "11",
        "street_name": "Corniche Rd W",
        "district_name": "Al Danah",
        "town_name": "Abu Dhabi",
        "region": "Abu Dhabi",
        "country": "ARE"
      }
    ]
  }
}