Getting Started

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About the Transaction Scoring API

The Transaction Scoring API enables you to score payments or users, detect e-commerce fraud, and provide real-time online payment fraud detection. This transaction screening service is ideal for preventing chargeback fraud and performing advanced user scoring, which can identify even the most sophisticated fraudulent transactions on websites and apps.

IPQS can analyze additional user data for orders, payments, transactions, lead generation, and personal user information to enhance the accuracy of the transaction risk API fraud score. The fields listed below are entirely optional and provide additional data that can be used to detect fraudulent payments and suspicious behavior likely to generate chargeback fraud disputes. Any further data beyond the IP address greatly improves the detection of high-risk activity.

The transaction_details object displays transaction risk analysis. If only one address is available for the user or transaction screening process, enter the address data into the billing or shipping variables, rather than entering the same address in both variables. Passing the email address also contributes to detecting fraudulent users. However, the API will only perform a light abusive check. A full lookup with Email Verification API will provide greater detail and accuracy for email reputation. The transaction variables listed below are optional; you can ignore any irrelevant variables.

What is a Transaction Scoring API?

A Transaction Scoring API analyzes information associated with a payment, order, or user to determine the likelihood that a transaction is fraudulent. The Transaction Scoring API evaluates billing and shipping information, payment details, contact information, and other available transaction data to identify suspicious behavior and calculate an overall risk score.

Transaction scoring can help detect potentially fraudulent purchases before they result in chargebacks, financial losses, or other abusive activity. Providing additional transaction details allows the API to compare multiple data points and identify inconsistencies or risk signals that may not be apparent when evaluating individual fields separately.

How does transaction scoring work?

The Transaction Scoring API evaluates the transaction details included in the request and analyzes them for fraud and reputation signals. You can submit information such as billing and shipping addresses, email addresses, phone numbers, payment details, order amounts, usernames, and other available customer data.

The API compares these data points and evaluates factors such as the validity and reputation of the supplied information, inconsistencies between customer details, known fraudulent behavior, and other indicators of transaction risk. It then returns a risk_score along with supporting risk factors and a recommended_action that can help determine how the transaction should be handled.

Transaction Scoring API use cases

The Transaction Scoring API can be used anywhere a business needs to evaluate the risk associated with a payment, order, account, or other transaction. Common use cases include:

• E-commerce fraud prevention: Evaluate online purchases before processing or fulfilling an order.
• Chargeback prevention: Identify transactions with characteristics associated with fraudulent payments or chargeback disputes.
• Payment risk analysis: Review payment details and customer information for suspicious or inconsistent activity.
• Order screening: Analyze billing, shipping, contact, and order information before approving or fulfilling an order.
• Lead generation fraud detection: Evaluate submitted user information to identify suspicious or fraudulent leads.

Using the API

JSON

https://www.ipqualityscore.com/api/json/transaction/YOUR_API_KEY_HERE/TRANSACTION_DETAILS

XML

https://www.ipqualityscore.com/api/xml/transaction/YOUR_API_KEY_HERE/TRANSACTION_DETAILS

Example Request

In this example, the Transaction Scoring API will review the billing contact info, shipping contact info, payment info, and order details to analyze the transaction for risk factors.

https://www.ipqualityscore.com/api/json/transaction/YOUR_API_KEY_HERE/?billing_first_name=John&billing_last_name=Doe&billing_country=US&billing_address_1=123+Fake+St&billing_city=Miami&billing_region=FL&billing_postcode=33129-2412&billing_email=user@example.com&billing_phone=5555551234&shipping_first_name=John&shipping_last_name=Doe&shipping_country=US&shipping_address_1=123+Fake+St&shipping_city=Miami&shipping_region=FL&shipping_postcode=33129-2412&shipping_email=user@example.com&shipping_phone=5555551234&credit_card_bin=55554444&credit_card_last_four=1111&credit_card_expiration_month=03&credit_card_expiration_year=2030&transaction_type=credit_card&order_amount=5027.93&order_quantity=1&order_id=168989billing_country=US

Submitting Transaction Scoring API requests via other APIs

You can also submit requests to the Transaction Scoring API as part of requests to the Proxy & VPN Detection API, Email Verification API, Phone Number Validation API, and Device Fingerprint API.

When submitting transaction details in requests to different APIs, the Transaction Scoring API will return the results in a transaction_details object alongside the other results for that API.

In this example, we submit an email address to the Email Verification API for review and also include transaction information as additional request parameters. Using this method, we can review transactions while also performing deeper email analysis using the Email Verification API.

https://www.ipqualityscore.com/api/json/email/YOUR_API_KEY_HERE/user@example.com?&billing_first_name=John&billing_last_name=Doe&billing_country=US&billing_address_1=123+Fake+St&billing_city=Miami&billing_region=FL&billing_postcode=33129-2412&billing_email=user@example.com&billing_phone=5555551234&shipping_first_name=John&shipping_last_name=Doe&shipping_country=US&shipping_address_1=123+Fake+St&shipping_city=Miami&shipping_region=FL&shipping_postcode=33129-2412&shipping_email=user@example.com&shipping_phone=5555551234&credit_card_bin=55554444&credit_card_last_four=1111&credit_card_expiration_month=03&credit_card_expiration_year=2030&transaction_type=credit_card&order_amount=5027.93&order_quantity=1&order_id=168989billing_country=US

Request Parameters

Success Response Examples

Standalone

This is an example success response when submitting a request directly to the Transaction Scoring API.

{
  "valid_billing_address": true,
  "valid_shipping_address": true,
  "billing_address_distance": {
    "miles": 1093,
    "kilometers": 1759
  },
  "shipping_address_distance": {
    "miles": 1093,
    "kilometers": 1759
  },
  "valid_billing_email": false,
  "valid_shipping_email": false,
  "risky_billing_phone": false,
  "risky_shipping_phone": true,
  "billing_phone_country": "US",
  "billing_phone_country_code": "1",
  "shipping_phone_country": "US",
  "shipping_phone_country_code": "1",
  "billing_phone_carrier": "T-Mobile",
  "shipping_phone_carrier": "INTERMEDIA COMMUNICATIONS INC.",
  "billing_phone_line_type": "Wireless",
  "shipping_phone_line_type": "VOIP",
  "fraudulent_behavior": false,
  "bin_country": null,
  "bin_type": "N/A",
  "risky_username": null,
  "valid_billing_phone": true,
  "valid_shipping_phone": true,
  "leaked_billing_email": false,
  "leaked_shipping_email": false,
  "leaked_user_data": false,
  "is_prepaid_card": null,
  "phone_name_identity_match": "No match",
  "phone_email_identity_match": "No match",
  "phone_address_identity_match": "No match",
  "email_name_identity_match": "Match",
  "name_address_identity_match": "No match",
  "address_email_identity_match": "No match",
  "risk_score": 97,
  "billing_first_name": "natalia",
  "billing_last_name": "weissman",
  "billing_address1": "2333 BRICKELL AVE",
  "billing_address2": "#1111",
  "billing_city": "MIAMI",
  "billing_region": "FL",
  "billing_zipcode": "33129",
  "billing_country": "US",
  "billing_email": "natalia@blueprint-eq.com",
  "billing_phone_extension": "7644015",
  "billing_phone_area": "305",
  "recommended_action": "deny",
  "bin_bank_name": null,
  "user_activity": "medium",
  "results": {
    "billing_phone_result": {
      "message": "Phone is valid.",
      "success": true,
      "formatted": "+13057644015",
      "local_format": "(305) 764-4015",
      "valid": true,
      "fraud_score": 0,
      "recent_abuse": false,
      "VOIP": false,
      "prepaid": false,
      "risky": false,
      "active": true,
      "carrier": "T-Mobile",
      "line_type": "Wireless",
      "country": "US",
      "city": "Homestead",
      "zip_code": "33033",
      "region": "Florida",
      "dialing_code": 1,
      "active_status": "N/A",
      "sms_domain": "tmomail.net",
      "associated_email_addresses": {
        "status": "No associated emails found.",
        "emails": []
      },
      "user_activity": "none",
      "mnc": "160",
      "mcc": "310",
      "leaked": false,
      "spammer": false,
      "request_id": null,
      "name": "N/A",
      "timezone": "America/New_York",
      "do_not_call": false,
      "tcpa_blacklist": false,
      "accurate_country_code": false,
      "sms_email": "3057644015@tmomail.net",
      "number_recycling": {
        "message": "Number recycling feature disabled. Please contact support to activate.",
        "recently_recycled": null,
        "last_ported_date": null,
        "ported": null
      }
    },
    "billing_email_result": {
      "message": "Success.",
      "success": true,
      "valid": false,
      "disposable": false,
      "smtp_score": 0,
      "overall_score": 0,
      "first_name": "Unknown",
      "generic": false,
      "common": false,
      "dns_valid": false,
      "honeypot": false,
      "deliverability": "low",
      "frequent_complainer": false,
      "spam_trap_score": "none",
      "catch_all": false,
      "timed_out": false,
      "suspect": false,
      "recent_abuse": true,
      "fraud_score": 100,
      "suggested_domain": "N/A",
      "leaked": false,
      "domain_age": {
        "human": "9 months ago",
        "timestamp": 1759249039,
        "iso": "2025-09-30T12:17:19-04:00"
      },
      "first_seen": {
        "human": "3 months ago",
        "timestamp": 1775665296,
        "iso": "2026-04-08T12:21:36-04:00"
      },
      "domain_trust": "suspicious",
      "sanitized_email": "natalia@blueprint-eq.com",
      "domain_velocity": "none",
      "user_activity": "none",
      "associated_names": {
        "status": "No associated names found.",
        "names": []
      },
      "associated_phone_numbers": {
        "status": "No associated phone numbers found.",
        "phone_numbers": []
      },
      "risky_tld": false,
      "spf_record": false,
      "dmarc_record": false,
      "mx_records": [],
      "a_records": [],
      "result_type": "cached"
    },
    "shipping_phone_result": {
      "message": "Phone is valid.",
      "success": true,
      "formatted": "+13057688015",
      "local_format": "(305) 768-8015",
      "valid": true,
      "fraud_score": 65,
      "recent_abuse": false,
      "VOIP": true,
      "prepaid": null,
      "risky": true,
      "active": true,
      "carrier": "INTERMEDIA COMMUNICATIONS INC.",
      "line_type": "VOIP",
      "country": "US",
      "city": "Homestead",
      "zip_code": "33033",
      "region": "Florida",
      "dialing_code": 1,
      "active_status": "N/A",
      "sms_domain": "N/A",
      "associated_email_addresses": {
        "status": "No associated emails found.",
        "emails": []
      },
      "user_activity": "none",
      "mnc": "N/A",
      "mcc": "N/A",
      "leaked": false,
      "spammer": false,
      "request_id": null,
      "name": "N/A",
      "timezone": "America/New_York",
      "do_not_call": false,
      "tcpa_blacklist": false,
      "accurate_country_code": false,
      "sms_email": "N/A",
      "number_recycling": {
        "message": "Number recycling feature disabled. Please contact support to activate.",
        "recently_recycled": null,
        "last_ported_date": null,
        "ported": null
      }
    },
    "shipping_email_result": {
      "message": "Success.",
      "success": true,
      "valid": false,
      "disposable": false,
      "smtp_score": 0,
      "overall_score": 0,
      "first_name": "Unknown",
      "generic": false,
      "common": false,
      "dns_valid": false,
      "honeypot": false,
      "deliverability": "low",
      "frequent_complainer": false,
      "spam_trap_score": "none",
      "catch_all": false,
      "timed_out": false,
      "suspect": false,
      "recent_abuse": false,
      "fraud_score": 97,
      "suggested_domain": "N/A",
      "leaked": false,
      "domain_age": {
        "human": "9 months ago",
        "timestamp": 1759249039,
        "iso": "2025-09-30T12:17:19-04:00"
      },
      "first_seen": {
        "human": "1 minute ago",
        "timestamp": 1783622066,
        "iso": "2026-07-09T14:34:26-04:00"
      },
      "domain_trust": "suspicious",
      "sanitized_email": "differentemail@blueprint-eq.com",
      "domain_velocity": "none",
      "user_activity": "none",
      "associated_names": {
        "status": "No associated names found.",
        "names": []
      },
      "associated_phone_numbers": {
        "status": "No associated phone numbers found.",
        "phone_numbers": []
      },
      "risky_tld": false,
      "spf_record": false,
      "dmarc_record": false,
      "mx_records": [],
      "a_records": [],
      "result_type": "cached"
    },
    "proxy_result": {
      "success": true,
      "message": "Success",
      "fraud_score": 0,
      "country_code": "US",
      "region": "New York",
      "city": "New York",
      "ISP": "Access Media Holdings, LLC",
      "ASN": 8092,
      "organization": "Access Media Holdings, LLC",
      "is_crawler": false,
      "timezone": "America/New_York",
      "mobile": false,
      "host": "66.135.148.26",
      "proxy": false,
      "vpn": false,
      "tor": false,
      "active_vpn": false,
      "active_tor": false,
      "recent_abuse": false,
      "bot_status": false,
      "connection_type": "Residential",
      "abuse_velocity": "none",
      "shared_connection": false,
      "dynamic_connection": false,
      "frequent_abuser": false,
      "high_risk_attacks": false,
      "security_scanner": false,
      "trusted_network": false,
      "zip_code": "N/A",
      "latitude": 40.71,
      "longitude": -74.01,
      "abuse_events": [
        "Enterprise plan required to view abuse events and active proxy networks"
      ]
    }
  },
  "risk_factors": [
    "Suspicious billing email address reputation.",
    "Suspicious shipping email address reputation.",
    "High risk behavior associated with an invalid email address."
  ],
  "request_id": "DAtqmMQtnX"
}

Next Steps

Learn more about each of the variables included in the responses you receive.docs