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Centsless analyzes rounding ratios, override patterns, and void rates across every transaction to generate fraud scores in real time. A merchant that consistently rounds up, applies overrides at unusual rates, or voids transactions on a suspicious schedule accumulates a higher risk score over time. These endpoints let you inspect aggregate risk for individual merchants or across your entire platform.

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Authentication

All requests require an x-api-key header with admin scope.

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GET /merchant//risk-profile — Merchant risk profile

Retrieve a comprehensive fraud risk profile for a single merchant.

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Path parameters

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string
required
The unique identifier of the merchant. Example: MERCHANT-001

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Code example

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Response

The response includes:
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integer
Aggregate fraud score for the merchant. Higher values indicate greater risk.
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string
Summary risk classification. One of: NONE, LOW, MEDIUM, HIGH, CRITICAL
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object
Breakdown of rounding behavior including round-up vs. round-down ratios and penny-ending distribution across transactions.
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object
Override frequency, reason code distribution, and average delta between calculated and overridden amounts.
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object
Void rate, void count, and normalization failure rate for this merchant’s transaction history.

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GET /admin/fraud-overview — All merchants fraud overview

Returns a ranked list of all merchants by fraud risk score, with summary statistics for each. Use this to identify merchants that require investigation without needing to pull individual profiles.

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Code example

The response ranks all merchants from highest to lowest risk score and highlights those with suspicious rounding patterns, elevated override rates, or high void frequencies. Merchants with a risk_level of HIGH or CRITICAL are surfaced at the top of the list.