> ## Documentation Index
> Fetch the complete documentation index at: https://docs.centsless.org/llms.txt
> Use this file to discover all available pages before exploring further.

# Merchant fraud risk profiles and platform overview

> Retrieve per-merchant fraud risk profiles covering rounding ratios, override patterns, and void rates. View all merchants ranked by risk score to surface suspicious activity.

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.

## Authentication

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

***

## GET /merchant/{merchant_id}/risk-profile — Merchant risk profile

Retrieve a comprehensive fraud risk profile for a single merchant.

```
GET https://api.centsless.org/api/v1/merchant/{merchant_id}/risk-profile
```

### Path parameters

<ParamField path="merchant_id" type="string" required>
  The unique identifier of the merchant. Example: `MERCHANT-001`
</ParamField>

### Code example

```bash theme={null}
curl https://api.centsless.org/api/v1/merchant/MERCHANT-001/risk-profile \
  -H "x-api-key: YOUR_API_KEY"
```

### Response

The response includes:

<ResponseField name="fraud_score" type="integer">
  Aggregate fraud score for the merchant. Higher values indicate greater risk.
</ResponseField>

<ResponseField name="risk_level" type="string">
  Summary risk classification. One of: `NONE`, `LOW`, `MEDIUM`, `HIGH`, `CRITICAL`
</ResponseField>

<ResponseField name="rounding_analysis" type="object">
  Breakdown of rounding behavior including round-up vs. round-down ratios and penny-ending distribution across transactions.
</ResponseField>

<ResponseField name="override_patterns" type="object">
  Override frequency, reason code distribution, and average delta between calculated and overridden amounts.
</ResponseField>

<ResponseField name="void_rates" type="object">
  Void rate, void count, and normalization failure rate for this merchant's transaction history.
</ResponseField>

***

## 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.

```
GET https://api.centsless.org/api/v1/admin/fraud-overview
```

### Code example

```bash theme={null}
curl https://api.centsless.org/api/v1/admin/fraud-overview \
  -H "x-api-key: YOUR_API_KEY"
```

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.