cURL
curl --request POST \
--url https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant \
--header 'Content-Type: application/json' \
--header 'apiKey: <api-key>' \
--header 'apiSecret: <api-key>' \
--data '
{
"transactionData": {
"reference": "REP-TXN-2026-061101-456789",
"transactionDate": "2026-06-11T09:45:00.000Z",
"type": "debit",
"currency": "NGN",
"balanceBefore": 8200000,
"accountCurrency": "NGN",
"accountCurrencyBalanceBefore": 8200000,
"amount": 5750000,
"narration": "Vendor invoice payment for office equipment",
"transactionScheme": "NIP",
"isExternalPayment": true,
"sessionId": "SESS-9f4b2c7a-20260611",
"status": true,
"channel": "bank transfer",
"exchangeRate": 1,
"usdExchangeRate": 1500,
"senderAccount": "9876543210",
"receiverAccount": "0123456789",
"email": "amara.okafor@example.com",
"vasReceiver": "+2348012345678",
"vasProvider": "MTN",
"refund": false,
"isInternalAccount": false,
"isStaffAccount": false,
"isDormantAccount": false,
"isCheque": false,
"signatory": "Amara Okafor"
},
"anonymizedUserData": {
"uniqueId": "CUS-10001",
"identityNumber": 22334455667,
"phone": "+2348012345678",
"occupation": "Product Manager",
"country": "NG",
"state": "Lagos",
"city": "Ikeja",
"accountType": "individual",
"age": 34,
"gender": "f",
"dateJoined": "2024-01-15T10:00:00.000Z",
"isBanned": false,
"isIdentityVerified": true,
"businessCategory": "retail",
"isPhoneNumberVerified": true,
"bankCode": "044",
"bankName": "Access Bank Plc",
"name": "Amara Okafor",
"iban": "NG12ACCESS000123456789",
"userRisk": "medium",
"sortCode": "044150149",
"bankCountry": "NG",
"dob": "1990-04-15",
"email": "amara.okafor@example.com",
"pepStatus": false,
"sow": "salary"
},
"counterpartyData": {
"accountNumber": "0123456789",
"country": "NG",
"accountType": "corporate",
"bankCode": "058",
"name": "Pastel Office Supplies Ltd",
"identityNumber": 7429883,
"iban": "NG12GTBANK000123456789",
"sortCode": "058152036",
"bankCountry": "NG",
"bankName": "Guaranty Trust Bank",
"email": "finance@pastelofficesupplies.com"
},
"thirdPartyUserData": {
"uniqueId": "CARD-HOLDER-88421",
"cardPan": "539923******0421",
"email": "cardholder@example.com"
},
"device": {
"deviceId": "ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789",
"manufacturer": "Apple",
"name": "Amara iPhone 15 Pro",
"osName": "iOS",
"osVersion": "18.1.0"
},
"location": {
"latitude": "6.6018",
"longitude": "3.3515",
"country": "NG"
},
"screeningData": {
"senderName": "Amara Okafor",
"receiverName": "Pastel Office Supplies Ltd"
},
"limits": {
"dailyLimit": 10000000,
"overdraftLimit": 500000,
"individualTransactionLimit": 6000000
},
"beneficiary": {
"isRegisteredBeneficiary": true,
"isNewBeneficiary": false
},
"ipAddress": "102.89.45.12"
}
'import requests
url = "https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant"
payload = {
"transactionData": {
"reference": "REP-TXN-2026-061101-456789",
"transactionDate": "2026-06-11T09:45:00.000Z",
"type": "debit",
"currency": "NGN",
"balanceBefore": 8200000,
"accountCurrency": "NGN",
"accountCurrencyBalanceBefore": 8200000,
"amount": 5750000,
"narration": "Vendor invoice payment for office equipment",
"transactionScheme": "NIP",
"isExternalPayment": True,
"sessionId": "SESS-9f4b2c7a-20260611",
"status": True,
"channel": "bank transfer",
"exchangeRate": 1,
"usdExchangeRate": 1500,
"senderAccount": "9876543210",
"receiverAccount": "0123456789",
"email": "amara.okafor@example.com",
"vasReceiver": "+2348012345678",
"vasProvider": "MTN",
"refund": False,
"isInternalAccount": False,
"isStaffAccount": False,
"isDormantAccount": False,
"isCheque": False,
"signatory": "Amara Okafor"
},
"anonymizedUserData": {
"uniqueId": "CUS-10001",
"identityNumber": 22334455667,
"phone": "+2348012345678",
"occupation": "Product Manager",
"country": "NG",
"state": "Lagos",
"city": "Ikeja",
"accountType": "individual",
"age": 34,
"gender": "f",
"dateJoined": "2024-01-15T10:00:00.000Z",
"isBanned": False,
"isIdentityVerified": True,
"businessCategory": "retail",
"isPhoneNumberVerified": True,
"bankCode": "044",
"bankName": "Access Bank Plc",
"name": "Amara Okafor",
"iban": "NG12ACCESS000123456789",
"userRisk": "medium",
"sortCode": "044150149",
"bankCountry": "NG",
"dob": "1990-04-15",
"email": "amara.okafor@example.com",
"pepStatus": False,
"sow": "salary"
},
"counterpartyData": {
"accountNumber": "0123456789",
"country": "NG",
"accountType": "corporate",
"bankCode": "058",
"name": "Pastel Office Supplies Ltd",
"identityNumber": 7429883,
"iban": "NG12GTBANK000123456789",
"sortCode": "058152036",
"bankCountry": "NG",
"bankName": "Guaranty Trust Bank",
"email": "finance@pastelofficesupplies.com"
},
"thirdPartyUserData": {
"uniqueId": "CARD-HOLDER-88421",
"cardPan": "539923******0421",
"email": "cardholder@example.com"
},
"device": {
"deviceId": "ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789",
"manufacturer": "Apple",
"name": "Amara iPhone 15 Pro",
"osName": "iOS",
"osVersion": "18.1.0"
},
"location": {
"latitude": "6.6018",
"longitude": "3.3515",
"country": "NG"
},
"screeningData": {
"senderName": "Amara Okafor",
"receiverName": "Pastel Office Supplies Ltd"
},
"limits": {
"dailyLimit": 10000000,
"overdraftLimit": 500000,
"individualTransactionLimit": 6000000
},
"beneficiary": {
"isRegisteredBeneficiary": True,
"isNewBeneficiary": False
},
"ipAddress": "102.89.45.12"
}
headers = {
"apiKey": "<api-key>",
"apiSecret": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
apiKey: '<api-key>',
apiSecret: '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
transactionData: {
reference: 'REP-TXN-2026-061101-456789',
transactionDate: '2026-06-11T09:45:00.000Z',
type: 'debit',
currency: 'NGN',
balanceBefore: 8200000,
accountCurrency: 'NGN',
accountCurrencyBalanceBefore: 8200000,
amount: 5750000,
narration: 'Vendor invoice payment for office equipment',
transactionScheme: 'NIP',
isExternalPayment: true,
sessionId: 'SESS-9f4b2c7a-20260611',
status: true,
channel: 'bank transfer',
exchangeRate: 1,
usdExchangeRate: 1500,
senderAccount: '9876543210',
receiverAccount: '0123456789',
email: 'amara.okafor@example.com',
vasReceiver: '+2348012345678',
vasProvider: 'MTN',
refund: false,
isInternalAccount: false,
isStaffAccount: false,
isDormantAccount: false,
isCheque: false,
signatory: 'Amara Okafor'
},
anonymizedUserData: {
uniqueId: 'CUS-10001',
identityNumber: 22334455667,
phone: '+2348012345678',
occupation: 'Product Manager',
country: 'NG',
state: 'Lagos',
city: 'Ikeja',
accountType: 'individual',
age: 34,
gender: 'f',
dateJoined: '2024-01-15T10:00:00.000Z',
isBanned: false,
isIdentityVerified: true,
businessCategory: 'retail',
isPhoneNumberVerified: true,
bankCode: '044',
bankName: 'Access Bank Plc',
name: 'Amara Okafor',
iban: 'NG12ACCESS000123456789',
userRisk: 'medium',
sortCode: '044150149',
bankCountry: 'NG',
dob: '1990-04-15',
email: 'amara.okafor@example.com',
pepStatus: false,
sow: 'salary'
},
counterpartyData: {
accountNumber: '0123456789',
country: 'NG',
accountType: 'corporate',
bankCode: '058',
name: 'Pastel Office Supplies Ltd',
identityNumber: 7429883,
iban: 'NG12GTBANK000123456789',
sortCode: '058152036',
bankCountry: 'NG',
bankName: 'Guaranty Trust Bank',
email: 'finance@pastelofficesupplies.com'
},
thirdPartyUserData: {
uniqueId: 'CARD-HOLDER-88421',
cardPan: '539923******0421',
email: 'cardholder@example.com'
},
device: {
deviceId: 'ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789',
manufacturer: 'Apple',
name: 'Amara iPhone 15 Pro',
osName: 'iOS',
osVersion: '18.1.0'
},
location: {latitude: '6.6018', longitude: '3.3515', country: 'NG'},
screeningData: {senderName: 'Amara Okafor', receiverName: 'Pastel Office Supplies Ltd'},
limits: {
dailyLimit: 10000000,
overdraftLimit: 500000,
individualTransactionLimit: 6000000
},
beneficiary: {isRegisteredBeneficiary: true, isNewBeneficiary: false},
ipAddress: '102.89.45.12'
})
};
fetch('https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'transactionData' => [
'reference' => 'REP-TXN-2026-061101-456789',
'transactionDate' => '2026-06-11T09:45:00.000Z',
'type' => 'debit',
'currency' => 'NGN',
'balanceBefore' => 8200000,
'accountCurrency' => 'NGN',
'accountCurrencyBalanceBefore' => 8200000,
'amount' => 5750000,
'narration' => 'Vendor invoice payment for office equipment',
'transactionScheme' => 'NIP',
'isExternalPayment' => true,
'sessionId' => 'SESS-9f4b2c7a-20260611',
'status' => true,
'channel' => 'bank transfer',
'exchangeRate' => 1,
'usdExchangeRate' => 1500,
'senderAccount' => '9876543210',
'receiverAccount' => '0123456789',
'email' => 'amara.okafor@example.com',
'vasReceiver' => '+2348012345678',
'vasProvider' => 'MTN',
'refund' => false,
'isInternalAccount' => false,
'isStaffAccount' => false,
'isDormantAccount' => false,
'isCheque' => false,
'signatory' => 'Amara Okafor'
],
'anonymizedUserData' => [
'uniqueId' => 'CUS-10001',
'identityNumber' => 22334455667,
'phone' => '+2348012345678',
'occupation' => 'Product Manager',
'country' => 'NG',
'state' => 'Lagos',
'city' => 'Ikeja',
'accountType' => 'individual',
'age' => 34,
'gender' => 'f',
'dateJoined' => '2024-01-15T10:00:00.000Z',
'isBanned' => false,
'isIdentityVerified' => true,
'businessCategory' => 'retail',
'isPhoneNumberVerified' => true,
'bankCode' => '044',
'bankName' => 'Access Bank Plc',
'name' => 'Amara Okafor',
'iban' => 'NG12ACCESS000123456789',
'userRisk' => 'medium',
'sortCode' => '044150149',
'bankCountry' => 'NG',
'dob' => '1990-04-15',
'email' => 'amara.okafor@example.com',
'pepStatus' => false,
'sow' => 'salary'
],
'counterpartyData' => [
'accountNumber' => '0123456789',
'country' => 'NG',
'accountType' => 'corporate',
'bankCode' => '058',
'name' => 'Pastel Office Supplies Ltd',
'identityNumber' => 7429883,
'iban' => 'NG12GTBANK000123456789',
'sortCode' => '058152036',
'bankCountry' => 'NG',
'bankName' => 'Guaranty Trust Bank',
'email' => 'finance@pastelofficesupplies.com'
],
'thirdPartyUserData' => [
'uniqueId' => 'CARD-HOLDER-88421',
'cardPan' => '539923******0421',
'email' => 'cardholder@example.com'
],
'device' => [
'deviceId' => 'ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789',
'manufacturer' => 'Apple',
'name' => 'Amara iPhone 15 Pro',
'osName' => 'iOS',
'osVersion' => '18.1.0'
],
'location' => [
'latitude' => '6.6018',
'longitude' => '3.3515',
'country' => 'NG'
],
'screeningData' => [
'senderName' => 'Amara Okafor',
'receiverName' => 'Pastel Office Supplies Ltd'
],
'limits' => [
'dailyLimit' => 10000000,
'overdraftLimit' => 500000,
'individualTransactionLimit' => 6000000
],
'beneficiary' => [
'isRegisteredBeneficiary' => true,
'isNewBeneficiary' => false
],
'ipAddress' => '102.89.45.12'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"apiKey: <api-key>",
"apiSecret: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant"
payload := strings.NewReader("{\n \"transactionData\": {\n \"reference\": \"REP-TXN-2026-061101-456789\",\n \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n \"type\": \"debit\",\n \"currency\": \"NGN\",\n \"balanceBefore\": 8200000,\n \"accountCurrency\": \"NGN\",\n \"accountCurrencyBalanceBefore\": 8200000,\n \"amount\": 5750000,\n \"narration\": \"Vendor invoice payment for office equipment\",\n \"transactionScheme\": \"NIP\",\n \"isExternalPayment\": true,\n \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n \"status\": true,\n \"channel\": \"bank transfer\",\n \"exchangeRate\": 1,\n \"usdExchangeRate\": 1500,\n \"senderAccount\": \"9876543210\",\n \"receiverAccount\": \"0123456789\",\n \"email\": \"amara.okafor@example.com\",\n \"vasReceiver\": \"+2348012345678\",\n \"vasProvider\": \"MTN\",\n \"refund\": false,\n \"isInternalAccount\": false,\n \"isStaffAccount\": false,\n \"isDormantAccount\": false,\n \"isCheque\": false,\n \"signatory\": \"Amara Okafor\"\n },\n \"anonymizedUserData\": {\n \"uniqueId\": \"CUS-10001\",\n \"identityNumber\": 22334455667,\n \"phone\": \"+2348012345678\",\n \"occupation\": \"Product Manager\",\n \"country\": \"NG\",\n \"state\": \"Lagos\",\n \"city\": \"Ikeja\",\n \"accountType\": \"individual\",\n \"age\": 34,\n \"gender\": \"f\",\n \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n \"isBanned\": false,\n \"isIdentityVerified\": true,\n \"businessCategory\": \"retail\",\n \"isPhoneNumberVerified\": true,\n \"bankCode\": \"044\",\n \"bankName\": \"Access Bank Plc\",\n \"name\": \"Amara Okafor\",\n \"iban\": \"NG12ACCESS000123456789\",\n \"userRisk\": \"medium\",\n \"sortCode\": \"044150149\",\n \"bankCountry\": \"NG\",\n \"dob\": \"1990-04-15\",\n \"email\": \"amara.okafor@example.com\",\n \"pepStatus\": false,\n \"sow\": \"salary\"\n },\n \"counterpartyData\": {\n \"accountNumber\": \"0123456789\",\n \"country\": \"NG\",\n \"accountType\": \"corporate\",\n \"bankCode\": \"058\",\n \"name\": \"Pastel Office Supplies Ltd\",\n \"identityNumber\": 7429883,\n \"iban\": \"NG12GTBANK000123456789\",\n \"sortCode\": \"058152036\",\n \"bankCountry\": \"NG\",\n \"bankName\": \"Guaranty Trust Bank\",\n \"email\": \"finance@pastelofficesupplies.com\"\n },\n \"thirdPartyUserData\": {\n \"uniqueId\": \"CARD-HOLDER-88421\",\n \"cardPan\": \"539923******0421\",\n \"email\": \"cardholder@example.com\"\n },\n \"device\": {\n \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n \"manufacturer\": \"Apple\",\n \"name\": \"Amara iPhone 15 Pro\",\n \"osName\": \"iOS\",\n \"osVersion\": \"18.1.0\"\n },\n \"location\": {\n \"latitude\": \"6.6018\",\n \"longitude\": \"3.3515\",\n \"country\": \"NG\"\n },\n \"screeningData\": {\n \"senderName\": \"Amara Okafor\",\n \"receiverName\": \"Pastel Office Supplies Ltd\"\n },\n \"limits\": {\n \"dailyLimit\": 10000000,\n \"overdraftLimit\": 500000,\n \"individualTransactionLimit\": 6000000\n },\n \"beneficiary\": {\n \"isRegisteredBeneficiary\": true,\n \"isNewBeneficiary\": false\n },\n \"ipAddress\": \"102.89.45.12\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("apiKey", "<api-key>")
req.Header.Add("apiSecret", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant")
.header("apiKey", "<api-key>")
.header("apiSecret", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"transactionData\": {\n \"reference\": \"REP-TXN-2026-061101-456789\",\n \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n \"type\": \"debit\",\n \"currency\": \"NGN\",\n \"balanceBefore\": 8200000,\n \"accountCurrency\": \"NGN\",\n \"accountCurrencyBalanceBefore\": 8200000,\n \"amount\": 5750000,\n \"narration\": \"Vendor invoice payment for office equipment\",\n \"transactionScheme\": \"NIP\",\n \"isExternalPayment\": true,\n \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n \"status\": true,\n \"channel\": \"bank transfer\",\n \"exchangeRate\": 1,\n \"usdExchangeRate\": 1500,\n \"senderAccount\": \"9876543210\",\n \"receiverAccount\": \"0123456789\",\n \"email\": \"amara.okafor@example.com\",\n \"vasReceiver\": \"+2348012345678\",\n \"vasProvider\": \"MTN\",\n \"refund\": false,\n \"isInternalAccount\": false,\n \"isStaffAccount\": false,\n \"isDormantAccount\": false,\n \"isCheque\": false,\n \"signatory\": \"Amara Okafor\"\n },\n \"anonymizedUserData\": {\n \"uniqueId\": \"CUS-10001\",\n \"identityNumber\": 22334455667,\n \"phone\": \"+2348012345678\",\n \"occupation\": \"Product Manager\",\n \"country\": \"NG\",\n \"state\": \"Lagos\",\n \"city\": \"Ikeja\",\n \"accountType\": \"individual\",\n \"age\": 34,\n \"gender\": \"f\",\n \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n \"isBanned\": false,\n \"isIdentityVerified\": true,\n \"businessCategory\": \"retail\",\n \"isPhoneNumberVerified\": true,\n \"bankCode\": \"044\",\n \"bankName\": \"Access Bank Plc\",\n \"name\": \"Amara Okafor\",\n \"iban\": \"NG12ACCESS000123456789\",\n \"userRisk\": \"medium\",\n \"sortCode\": \"044150149\",\n \"bankCountry\": \"NG\",\n \"dob\": \"1990-04-15\",\n \"email\": \"amara.okafor@example.com\",\n \"pepStatus\": false,\n \"sow\": \"salary\"\n },\n \"counterpartyData\": {\n \"accountNumber\": \"0123456789\",\n \"country\": \"NG\",\n \"accountType\": \"corporate\",\n \"bankCode\": \"058\",\n \"name\": \"Pastel Office Supplies Ltd\",\n \"identityNumber\": 7429883,\n \"iban\": \"NG12GTBANK000123456789\",\n \"sortCode\": \"058152036\",\n \"bankCountry\": \"NG\",\n \"bankName\": \"Guaranty Trust Bank\",\n \"email\": \"finance@pastelofficesupplies.com\"\n },\n \"thirdPartyUserData\": {\n \"uniqueId\": \"CARD-HOLDER-88421\",\n \"cardPan\": \"539923******0421\",\n \"email\": \"cardholder@example.com\"\n },\n \"device\": {\n \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n \"manufacturer\": \"Apple\",\n \"name\": \"Amara iPhone 15 Pro\",\n \"osName\": \"iOS\",\n \"osVersion\": \"18.1.0\"\n },\n \"location\": {\n \"latitude\": \"6.6018\",\n \"longitude\": \"3.3515\",\n \"country\": \"NG\"\n },\n \"screeningData\": {\n \"senderName\": \"Amara Okafor\",\n \"receiverName\": \"Pastel Office Supplies Ltd\"\n },\n \"limits\": {\n \"dailyLimit\": 10000000,\n \"overdraftLimit\": 500000,\n \"individualTransactionLimit\": 6000000\n },\n \"beneficiary\": {\n \"isRegisteredBeneficiary\": true,\n \"isNewBeneficiary\": false\n },\n \"ipAddress\": \"102.89.45.12\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["apiKey"] = '<api-key>'
request["apiSecret"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"transactionData\": {\n \"reference\": \"REP-TXN-2026-061101-456789\",\n \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n \"type\": \"debit\",\n \"currency\": \"NGN\",\n \"balanceBefore\": 8200000,\n \"accountCurrency\": \"NGN\",\n \"accountCurrencyBalanceBefore\": 8200000,\n \"amount\": 5750000,\n \"narration\": \"Vendor invoice payment for office equipment\",\n \"transactionScheme\": \"NIP\",\n \"isExternalPayment\": true,\n \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n \"status\": true,\n \"channel\": \"bank transfer\",\n \"exchangeRate\": 1,\n \"usdExchangeRate\": 1500,\n \"senderAccount\": \"9876543210\",\n \"receiverAccount\": \"0123456789\",\n \"email\": \"amara.okafor@example.com\",\n \"vasReceiver\": \"+2348012345678\",\n \"vasProvider\": \"MTN\",\n \"refund\": false,\n \"isInternalAccount\": false,\n \"isStaffAccount\": false,\n \"isDormantAccount\": false,\n \"isCheque\": false,\n \"signatory\": \"Amara Okafor\"\n },\n \"anonymizedUserData\": {\n \"uniqueId\": \"CUS-10001\",\n \"identityNumber\": 22334455667,\n \"phone\": \"+2348012345678\",\n \"occupation\": \"Product Manager\",\n \"country\": \"NG\",\n \"state\": \"Lagos\",\n \"city\": \"Ikeja\",\n \"accountType\": \"individual\",\n \"age\": 34,\n \"gender\": \"f\",\n \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n \"isBanned\": false,\n \"isIdentityVerified\": true,\n \"businessCategory\": \"retail\",\n \"isPhoneNumberVerified\": true,\n \"bankCode\": \"044\",\n \"bankName\": \"Access Bank Plc\",\n \"name\": \"Amara Okafor\",\n \"iban\": \"NG12ACCESS000123456789\",\n \"userRisk\": \"medium\",\n \"sortCode\": \"044150149\",\n \"bankCountry\": \"NG\",\n \"dob\": \"1990-04-15\",\n \"email\": \"amara.okafor@example.com\",\n \"pepStatus\": false,\n \"sow\": \"salary\"\n },\n \"counterpartyData\": {\n \"accountNumber\": \"0123456789\",\n \"country\": \"NG\",\n \"accountType\": \"corporate\",\n \"bankCode\": \"058\",\n \"name\": \"Pastel Office Supplies Ltd\",\n \"identityNumber\": 7429883,\n \"iban\": \"NG12GTBANK000123456789\",\n \"sortCode\": \"058152036\",\n \"bankCountry\": \"NG\",\n \"bankName\": \"Guaranty Trust Bank\",\n \"email\": \"finance@pastelofficesupplies.com\"\n },\n \"thirdPartyUserData\": {\n \"uniqueId\": \"CARD-HOLDER-88421\",\n \"cardPan\": \"539923******0421\",\n \"email\": \"cardholder@example.com\"\n },\n \"device\": {\n \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n \"manufacturer\": \"Apple\",\n \"name\": \"Amara iPhone 15 Pro\",\n \"osName\": \"iOS\",\n \"osVersion\": \"18.1.0\"\n },\n \"location\": {\n \"latitude\": \"6.6018\",\n \"longitude\": \"3.3515\",\n \"country\": \"NG\"\n },\n \"screeningData\": {\n \"senderName\": \"Amara Okafor\",\n \"receiverName\": \"Pastel Office Supplies Ltd\"\n },\n \"limits\": {\n \"dailyLimit\": 10000000,\n \"overdraftLimit\": 500000,\n \"individualTransactionLimit\": 6000000\n },\n \"beneficiary\": {\n \"isRegisteredBeneficiary\": true,\n \"isNewBeneficiary\": false\n },\n \"ipAddress\": \"102.89.45.12\"\n}"
response = http.request(request)
puts response.read_body{
"message": "Transaction processed",
"data": {
"transactionId": "txn_67f96122c2a7d1f2b6ea1207",
"riskScore": "0.27",
"action": {
"result": "approved",
"code": 1
},
"ruleResult": "looks safe",
"reason": {
"code": "TM-LOW-RISK",
"message": "No high-risk behavior was detected for this transaction",
"severity": "low",
"rule": {
"id": "rule-velocity-001",
"name": "Velocity threshold check"
}
}
}
}{
"message": "transactionData.reference is required",
"code": "VALIDATION_ERROR"
}{
"message": "transactionData.reference is required",
"code": "VALIDATION_ERROR"
}Reporting
Submit Transaction
POST api/v1/transaction-monitoring/instant
cURL
curl --request POST \
--url https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant \
--header 'Content-Type: application/json' \
--header 'apiKey: <api-key>' \
--header 'apiSecret: <api-key>' \
--data '
{
"transactionData": {
"reference": "REP-TXN-2026-061101-456789",
"transactionDate": "2026-06-11T09:45:00.000Z",
"type": "debit",
"currency": "NGN",
"balanceBefore": 8200000,
"accountCurrency": "NGN",
"accountCurrencyBalanceBefore": 8200000,
"amount": 5750000,
"narration": "Vendor invoice payment for office equipment",
"transactionScheme": "NIP",
"isExternalPayment": true,
"sessionId": "SESS-9f4b2c7a-20260611",
"status": true,
"channel": "bank transfer",
"exchangeRate": 1,
"usdExchangeRate": 1500,
"senderAccount": "9876543210",
"receiverAccount": "0123456789",
"email": "amara.okafor@example.com",
"vasReceiver": "+2348012345678",
"vasProvider": "MTN",
"refund": false,
"isInternalAccount": false,
"isStaffAccount": false,
"isDormantAccount": false,
"isCheque": false,
"signatory": "Amara Okafor"
},
"anonymizedUserData": {
"uniqueId": "CUS-10001",
"identityNumber": 22334455667,
"phone": "+2348012345678",
"occupation": "Product Manager",
"country": "NG",
"state": "Lagos",
"city": "Ikeja",
"accountType": "individual",
"age": 34,
"gender": "f",
"dateJoined": "2024-01-15T10:00:00.000Z",
"isBanned": false,
"isIdentityVerified": true,
"businessCategory": "retail",
"isPhoneNumberVerified": true,
"bankCode": "044",
"bankName": "Access Bank Plc",
"name": "Amara Okafor",
"iban": "NG12ACCESS000123456789",
"userRisk": "medium",
"sortCode": "044150149",
"bankCountry": "NG",
"dob": "1990-04-15",
"email": "amara.okafor@example.com",
"pepStatus": false,
"sow": "salary"
},
"counterpartyData": {
"accountNumber": "0123456789",
"country": "NG",
"accountType": "corporate",
"bankCode": "058",
"name": "Pastel Office Supplies Ltd",
"identityNumber": 7429883,
"iban": "NG12GTBANK000123456789",
"sortCode": "058152036",
"bankCountry": "NG",
"bankName": "Guaranty Trust Bank",
"email": "finance@pastelofficesupplies.com"
},
"thirdPartyUserData": {
"uniqueId": "CARD-HOLDER-88421",
"cardPan": "539923******0421",
"email": "cardholder@example.com"
},
"device": {
"deviceId": "ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789",
"manufacturer": "Apple",
"name": "Amara iPhone 15 Pro",
"osName": "iOS",
"osVersion": "18.1.0"
},
"location": {
"latitude": "6.6018",
"longitude": "3.3515",
"country": "NG"
},
"screeningData": {
"senderName": "Amara Okafor",
"receiverName": "Pastel Office Supplies Ltd"
},
"limits": {
"dailyLimit": 10000000,
"overdraftLimit": 500000,
"individualTransactionLimit": 6000000
},
"beneficiary": {
"isRegisteredBeneficiary": true,
"isNewBeneficiary": false
},
"ipAddress": "102.89.45.12"
}
'import requests
url = "https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant"
payload = {
"transactionData": {
"reference": "REP-TXN-2026-061101-456789",
"transactionDate": "2026-06-11T09:45:00.000Z",
"type": "debit",
"currency": "NGN",
"balanceBefore": 8200000,
"accountCurrency": "NGN",
"accountCurrencyBalanceBefore": 8200000,
"amount": 5750000,
"narration": "Vendor invoice payment for office equipment",
"transactionScheme": "NIP",
"isExternalPayment": True,
"sessionId": "SESS-9f4b2c7a-20260611",
"status": True,
"channel": "bank transfer",
"exchangeRate": 1,
"usdExchangeRate": 1500,
"senderAccount": "9876543210",
"receiverAccount": "0123456789",
"email": "amara.okafor@example.com",
"vasReceiver": "+2348012345678",
"vasProvider": "MTN",
"refund": False,
"isInternalAccount": False,
"isStaffAccount": False,
"isDormantAccount": False,
"isCheque": False,
"signatory": "Amara Okafor"
},
"anonymizedUserData": {
"uniqueId": "CUS-10001",
"identityNumber": 22334455667,
"phone": "+2348012345678",
"occupation": "Product Manager",
"country": "NG",
"state": "Lagos",
"city": "Ikeja",
"accountType": "individual",
"age": 34,
"gender": "f",
"dateJoined": "2024-01-15T10:00:00.000Z",
"isBanned": False,
"isIdentityVerified": True,
"businessCategory": "retail",
"isPhoneNumberVerified": True,
"bankCode": "044",
"bankName": "Access Bank Plc",
"name": "Amara Okafor",
"iban": "NG12ACCESS000123456789",
"userRisk": "medium",
"sortCode": "044150149",
"bankCountry": "NG",
"dob": "1990-04-15",
"email": "amara.okafor@example.com",
"pepStatus": False,
"sow": "salary"
},
"counterpartyData": {
"accountNumber": "0123456789",
"country": "NG",
"accountType": "corporate",
"bankCode": "058",
"name": "Pastel Office Supplies Ltd",
"identityNumber": 7429883,
"iban": "NG12GTBANK000123456789",
"sortCode": "058152036",
"bankCountry": "NG",
"bankName": "Guaranty Trust Bank",
"email": "finance@pastelofficesupplies.com"
},
"thirdPartyUserData": {
"uniqueId": "CARD-HOLDER-88421",
"cardPan": "539923******0421",
"email": "cardholder@example.com"
},
"device": {
"deviceId": "ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789",
"manufacturer": "Apple",
"name": "Amara iPhone 15 Pro",
"osName": "iOS",
"osVersion": "18.1.0"
},
"location": {
"latitude": "6.6018",
"longitude": "3.3515",
"country": "NG"
},
"screeningData": {
"senderName": "Amara Okafor",
"receiverName": "Pastel Office Supplies Ltd"
},
"limits": {
"dailyLimit": 10000000,
"overdraftLimit": 500000,
"individualTransactionLimit": 6000000
},
"beneficiary": {
"isRegisteredBeneficiary": True,
"isNewBeneficiary": False
},
"ipAddress": "102.89.45.12"
}
headers = {
"apiKey": "<api-key>",
"apiSecret": "<api-key>",
"Content-Type": "application/json"
}
response = requests.post(url, json=payload, headers=headers)
print(response.text)const options = {
method: 'POST',
headers: {
apiKey: '<api-key>',
apiSecret: '<api-key>',
'Content-Type': 'application/json'
},
body: JSON.stringify({
transactionData: {
reference: 'REP-TXN-2026-061101-456789',
transactionDate: '2026-06-11T09:45:00.000Z',
type: 'debit',
currency: 'NGN',
balanceBefore: 8200000,
accountCurrency: 'NGN',
accountCurrencyBalanceBefore: 8200000,
amount: 5750000,
narration: 'Vendor invoice payment for office equipment',
transactionScheme: 'NIP',
isExternalPayment: true,
sessionId: 'SESS-9f4b2c7a-20260611',
status: true,
channel: 'bank transfer',
exchangeRate: 1,
usdExchangeRate: 1500,
senderAccount: '9876543210',
receiverAccount: '0123456789',
email: 'amara.okafor@example.com',
vasReceiver: '+2348012345678',
vasProvider: 'MTN',
refund: false,
isInternalAccount: false,
isStaffAccount: false,
isDormantAccount: false,
isCheque: false,
signatory: 'Amara Okafor'
},
anonymizedUserData: {
uniqueId: 'CUS-10001',
identityNumber: 22334455667,
phone: '+2348012345678',
occupation: 'Product Manager',
country: 'NG',
state: 'Lagos',
city: 'Ikeja',
accountType: 'individual',
age: 34,
gender: 'f',
dateJoined: '2024-01-15T10:00:00.000Z',
isBanned: false,
isIdentityVerified: true,
businessCategory: 'retail',
isPhoneNumberVerified: true,
bankCode: '044',
bankName: 'Access Bank Plc',
name: 'Amara Okafor',
iban: 'NG12ACCESS000123456789',
userRisk: 'medium',
sortCode: '044150149',
bankCountry: 'NG',
dob: '1990-04-15',
email: 'amara.okafor@example.com',
pepStatus: false,
sow: 'salary'
},
counterpartyData: {
accountNumber: '0123456789',
country: 'NG',
accountType: 'corporate',
bankCode: '058',
name: 'Pastel Office Supplies Ltd',
identityNumber: 7429883,
iban: 'NG12GTBANK000123456789',
sortCode: '058152036',
bankCountry: 'NG',
bankName: 'Guaranty Trust Bank',
email: 'finance@pastelofficesupplies.com'
},
thirdPartyUserData: {
uniqueId: 'CARD-HOLDER-88421',
cardPan: '539923******0421',
email: 'cardholder@example.com'
},
device: {
deviceId: 'ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789',
manufacturer: 'Apple',
name: 'Amara iPhone 15 Pro',
osName: 'iOS',
osVersion: '18.1.0'
},
location: {latitude: '6.6018', longitude: '3.3515', country: 'NG'},
screeningData: {senderName: 'Amara Okafor', receiverName: 'Pastel Office Supplies Ltd'},
limits: {
dailyLimit: 10000000,
overdraftLimit: 500000,
individualTransactionLimit: 6000000
},
beneficiary: {isRegisteredBeneficiary: true, isNewBeneficiary: false},
ipAddress: '102.89.45.12'
})
};
fetch('https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant', options)
.then(res => res.json())
.then(res => console.log(res))
.catch(err => console.error(err));<?php
$curl = curl_init();
curl_setopt_array($curl, [
CURLOPT_URL => "https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant",
CURLOPT_RETURNTRANSFER => true,
CURLOPT_ENCODING => "",
CURLOPT_MAXREDIRS => 10,
CURLOPT_TIMEOUT => 30,
CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
CURLOPT_CUSTOMREQUEST => "POST",
CURLOPT_POSTFIELDS => json_encode([
'transactionData' => [
'reference' => 'REP-TXN-2026-061101-456789',
'transactionDate' => '2026-06-11T09:45:00.000Z',
'type' => 'debit',
'currency' => 'NGN',
'balanceBefore' => 8200000,
'accountCurrency' => 'NGN',
'accountCurrencyBalanceBefore' => 8200000,
'amount' => 5750000,
'narration' => 'Vendor invoice payment for office equipment',
'transactionScheme' => 'NIP',
'isExternalPayment' => true,
'sessionId' => 'SESS-9f4b2c7a-20260611',
'status' => true,
'channel' => 'bank transfer',
'exchangeRate' => 1,
'usdExchangeRate' => 1500,
'senderAccount' => '9876543210',
'receiverAccount' => '0123456789',
'email' => 'amara.okafor@example.com',
'vasReceiver' => '+2348012345678',
'vasProvider' => 'MTN',
'refund' => false,
'isInternalAccount' => false,
'isStaffAccount' => false,
'isDormantAccount' => false,
'isCheque' => false,
'signatory' => 'Amara Okafor'
],
'anonymizedUserData' => [
'uniqueId' => 'CUS-10001',
'identityNumber' => 22334455667,
'phone' => '+2348012345678',
'occupation' => 'Product Manager',
'country' => 'NG',
'state' => 'Lagos',
'city' => 'Ikeja',
'accountType' => 'individual',
'age' => 34,
'gender' => 'f',
'dateJoined' => '2024-01-15T10:00:00.000Z',
'isBanned' => false,
'isIdentityVerified' => true,
'businessCategory' => 'retail',
'isPhoneNumberVerified' => true,
'bankCode' => '044',
'bankName' => 'Access Bank Plc',
'name' => 'Amara Okafor',
'iban' => 'NG12ACCESS000123456789',
'userRisk' => 'medium',
'sortCode' => '044150149',
'bankCountry' => 'NG',
'dob' => '1990-04-15',
'email' => 'amara.okafor@example.com',
'pepStatus' => false,
'sow' => 'salary'
],
'counterpartyData' => [
'accountNumber' => '0123456789',
'country' => 'NG',
'accountType' => 'corporate',
'bankCode' => '058',
'name' => 'Pastel Office Supplies Ltd',
'identityNumber' => 7429883,
'iban' => 'NG12GTBANK000123456789',
'sortCode' => '058152036',
'bankCountry' => 'NG',
'bankName' => 'Guaranty Trust Bank',
'email' => 'finance@pastelofficesupplies.com'
],
'thirdPartyUserData' => [
'uniqueId' => 'CARD-HOLDER-88421',
'cardPan' => '539923******0421',
'email' => 'cardholder@example.com'
],
'device' => [
'deviceId' => 'ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789',
'manufacturer' => 'Apple',
'name' => 'Amara iPhone 15 Pro',
'osName' => 'iOS',
'osVersion' => '18.1.0'
],
'location' => [
'latitude' => '6.6018',
'longitude' => '3.3515',
'country' => 'NG'
],
'screeningData' => [
'senderName' => 'Amara Okafor',
'receiverName' => 'Pastel Office Supplies Ltd'
],
'limits' => [
'dailyLimit' => 10000000,
'overdraftLimit' => 500000,
'individualTransactionLimit' => 6000000
],
'beneficiary' => [
'isRegisteredBeneficiary' => true,
'isNewBeneficiary' => false
],
'ipAddress' => '102.89.45.12'
]),
CURLOPT_HTTPHEADER => [
"Content-Type: application/json",
"apiKey: <api-key>",
"apiSecret: <api-key>"
],
]);
$response = curl_exec($curl);
$err = curl_error($curl);
curl_close($curl);
if ($err) {
echo "cURL Error #:" . $err;
} else {
echo $response;
}package main
import (
"fmt"
"strings"
"net/http"
"io"
)
func main() {
url := "https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant"
payload := strings.NewReader("{\n \"transactionData\": {\n \"reference\": \"REP-TXN-2026-061101-456789\",\n \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n \"type\": \"debit\",\n \"currency\": \"NGN\",\n \"balanceBefore\": 8200000,\n \"accountCurrency\": \"NGN\",\n \"accountCurrencyBalanceBefore\": 8200000,\n \"amount\": 5750000,\n \"narration\": \"Vendor invoice payment for office equipment\",\n \"transactionScheme\": \"NIP\",\n \"isExternalPayment\": true,\n \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n \"status\": true,\n \"channel\": \"bank transfer\",\n \"exchangeRate\": 1,\n \"usdExchangeRate\": 1500,\n \"senderAccount\": \"9876543210\",\n \"receiverAccount\": \"0123456789\",\n \"email\": \"amara.okafor@example.com\",\n \"vasReceiver\": \"+2348012345678\",\n \"vasProvider\": \"MTN\",\n \"refund\": false,\n \"isInternalAccount\": false,\n \"isStaffAccount\": false,\n \"isDormantAccount\": false,\n \"isCheque\": false,\n \"signatory\": \"Amara Okafor\"\n },\n \"anonymizedUserData\": {\n \"uniqueId\": \"CUS-10001\",\n \"identityNumber\": 22334455667,\n \"phone\": \"+2348012345678\",\n \"occupation\": \"Product Manager\",\n \"country\": \"NG\",\n \"state\": \"Lagos\",\n \"city\": \"Ikeja\",\n \"accountType\": \"individual\",\n \"age\": 34,\n \"gender\": \"f\",\n \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n \"isBanned\": false,\n \"isIdentityVerified\": true,\n \"businessCategory\": \"retail\",\n \"isPhoneNumberVerified\": true,\n \"bankCode\": \"044\",\n \"bankName\": \"Access Bank Plc\",\n \"name\": \"Amara Okafor\",\n \"iban\": \"NG12ACCESS000123456789\",\n \"userRisk\": \"medium\",\n \"sortCode\": \"044150149\",\n \"bankCountry\": \"NG\",\n \"dob\": \"1990-04-15\",\n \"email\": \"amara.okafor@example.com\",\n \"pepStatus\": false,\n \"sow\": \"salary\"\n },\n \"counterpartyData\": {\n \"accountNumber\": \"0123456789\",\n \"country\": \"NG\",\n \"accountType\": \"corporate\",\n \"bankCode\": \"058\",\n \"name\": \"Pastel Office Supplies Ltd\",\n \"identityNumber\": 7429883,\n \"iban\": \"NG12GTBANK000123456789\",\n \"sortCode\": \"058152036\",\n \"bankCountry\": \"NG\",\n \"bankName\": \"Guaranty Trust Bank\",\n \"email\": \"finance@pastelofficesupplies.com\"\n },\n \"thirdPartyUserData\": {\n \"uniqueId\": \"CARD-HOLDER-88421\",\n \"cardPan\": \"539923******0421\",\n \"email\": \"cardholder@example.com\"\n },\n \"device\": {\n \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n \"manufacturer\": \"Apple\",\n \"name\": \"Amara iPhone 15 Pro\",\n \"osName\": \"iOS\",\n \"osVersion\": \"18.1.0\"\n },\n \"location\": {\n \"latitude\": \"6.6018\",\n \"longitude\": \"3.3515\",\n \"country\": \"NG\"\n },\n \"screeningData\": {\n \"senderName\": \"Amara Okafor\",\n \"receiverName\": \"Pastel Office Supplies Ltd\"\n },\n \"limits\": {\n \"dailyLimit\": 10000000,\n \"overdraftLimit\": 500000,\n \"individualTransactionLimit\": 6000000\n },\n \"beneficiary\": {\n \"isRegisteredBeneficiary\": true,\n \"isNewBeneficiary\": false\n },\n \"ipAddress\": \"102.89.45.12\"\n}")
req, _ := http.NewRequest("POST", url, payload)
req.Header.Add("apiKey", "<api-key>")
req.Header.Add("apiSecret", "<api-key>")
req.Header.Add("Content-Type", "application/json")
res, _ := http.DefaultClient.Do(req)
defer res.Body.Close()
body, _ := io.ReadAll(res.Body)
fmt.Println(string(body))
}HttpResponse<String> response = Unirest.post("https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant")
.header("apiKey", "<api-key>")
.header("apiSecret", "<api-key>")
.header("Content-Type", "application/json")
.body("{\n \"transactionData\": {\n \"reference\": \"REP-TXN-2026-061101-456789\",\n \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n \"type\": \"debit\",\n \"currency\": \"NGN\",\n \"balanceBefore\": 8200000,\n \"accountCurrency\": \"NGN\",\n \"accountCurrencyBalanceBefore\": 8200000,\n \"amount\": 5750000,\n \"narration\": \"Vendor invoice payment for office equipment\",\n \"transactionScheme\": \"NIP\",\n \"isExternalPayment\": true,\n \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n \"status\": true,\n \"channel\": \"bank transfer\",\n \"exchangeRate\": 1,\n \"usdExchangeRate\": 1500,\n \"senderAccount\": \"9876543210\",\n \"receiverAccount\": \"0123456789\",\n \"email\": \"amara.okafor@example.com\",\n \"vasReceiver\": \"+2348012345678\",\n \"vasProvider\": \"MTN\",\n \"refund\": false,\n \"isInternalAccount\": false,\n \"isStaffAccount\": false,\n \"isDormantAccount\": false,\n \"isCheque\": false,\n \"signatory\": \"Amara Okafor\"\n },\n \"anonymizedUserData\": {\n \"uniqueId\": \"CUS-10001\",\n \"identityNumber\": 22334455667,\n \"phone\": \"+2348012345678\",\n \"occupation\": \"Product Manager\",\n \"country\": \"NG\",\n \"state\": \"Lagos\",\n \"city\": \"Ikeja\",\n \"accountType\": \"individual\",\n \"age\": 34,\n \"gender\": \"f\",\n \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n \"isBanned\": false,\n \"isIdentityVerified\": true,\n \"businessCategory\": \"retail\",\n \"isPhoneNumberVerified\": true,\n \"bankCode\": \"044\",\n \"bankName\": \"Access Bank Plc\",\n \"name\": \"Amara Okafor\",\n \"iban\": \"NG12ACCESS000123456789\",\n \"userRisk\": \"medium\",\n \"sortCode\": \"044150149\",\n \"bankCountry\": \"NG\",\n \"dob\": \"1990-04-15\",\n \"email\": \"amara.okafor@example.com\",\n \"pepStatus\": false,\n \"sow\": \"salary\"\n },\n \"counterpartyData\": {\n \"accountNumber\": \"0123456789\",\n \"country\": \"NG\",\n \"accountType\": \"corporate\",\n \"bankCode\": \"058\",\n \"name\": \"Pastel Office Supplies Ltd\",\n \"identityNumber\": 7429883,\n \"iban\": \"NG12GTBANK000123456789\",\n \"sortCode\": \"058152036\",\n \"bankCountry\": \"NG\",\n \"bankName\": \"Guaranty Trust Bank\",\n \"email\": \"finance@pastelofficesupplies.com\"\n },\n \"thirdPartyUserData\": {\n \"uniqueId\": \"CARD-HOLDER-88421\",\n \"cardPan\": \"539923******0421\",\n \"email\": \"cardholder@example.com\"\n },\n \"device\": {\n \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n \"manufacturer\": \"Apple\",\n \"name\": \"Amara iPhone 15 Pro\",\n \"osName\": \"iOS\",\n \"osVersion\": \"18.1.0\"\n },\n \"location\": {\n \"latitude\": \"6.6018\",\n \"longitude\": \"3.3515\",\n \"country\": \"NG\"\n },\n \"screeningData\": {\n \"senderName\": \"Amara Okafor\",\n \"receiverName\": \"Pastel Office Supplies Ltd\"\n },\n \"limits\": {\n \"dailyLimit\": 10000000,\n \"overdraftLimit\": 500000,\n \"individualTransactionLimit\": 6000000\n },\n \"beneficiary\": {\n \"isRegisteredBeneficiary\": true,\n \"isNewBeneficiary\": false\n },\n \"ipAddress\": \"102.89.45.12\"\n}")
.asString();require 'uri'
require 'net/http'
url = URI("https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant")
http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true
request = Net::HTTP::Post.new(url)
request["apiKey"] = '<api-key>'
request["apiSecret"] = '<api-key>'
request["Content-Type"] = 'application/json'
request.body = "{\n \"transactionData\": {\n \"reference\": \"REP-TXN-2026-061101-456789\",\n \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n \"type\": \"debit\",\n \"currency\": \"NGN\",\n \"balanceBefore\": 8200000,\n \"accountCurrency\": \"NGN\",\n \"accountCurrencyBalanceBefore\": 8200000,\n \"amount\": 5750000,\n \"narration\": \"Vendor invoice payment for office equipment\",\n \"transactionScheme\": \"NIP\",\n \"isExternalPayment\": true,\n \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n \"status\": true,\n \"channel\": \"bank transfer\",\n \"exchangeRate\": 1,\n \"usdExchangeRate\": 1500,\n \"senderAccount\": \"9876543210\",\n \"receiverAccount\": \"0123456789\",\n \"email\": \"amara.okafor@example.com\",\n \"vasReceiver\": \"+2348012345678\",\n \"vasProvider\": \"MTN\",\n \"refund\": false,\n \"isInternalAccount\": false,\n \"isStaffAccount\": false,\n \"isDormantAccount\": false,\n \"isCheque\": false,\n \"signatory\": \"Amara Okafor\"\n },\n \"anonymizedUserData\": {\n \"uniqueId\": \"CUS-10001\",\n \"identityNumber\": 22334455667,\n \"phone\": \"+2348012345678\",\n \"occupation\": \"Product Manager\",\n \"country\": \"NG\",\n \"state\": \"Lagos\",\n \"city\": \"Ikeja\",\n \"accountType\": \"individual\",\n \"age\": 34,\n \"gender\": \"f\",\n \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n \"isBanned\": false,\n \"isIdentityVerified\": true,\n \"businessCategory\": \"retail\",\n \"isPhoneNumberVerified\": true,\n \"bankCode\": \"044\",\n \"bankName\": \"Access Bank Plc\",\n \"name\": \"Amara Okafor\",\n \"iban\": \"NG12ACCESS000123456789\",\n \"userRisk\": \"medium\",\n \"sortCode\": \"044150149\",\n \"bankCountry\": \"NG\",\n \"dob\": \"1990-04-15\",\n \"email\": \"amara.okafor@example.com\",\n \"pepStatus\": false,\n \"sow\": \"salary\"\n },\n \"counterpartyData\": {\n \"accountNumber\": \"0123456789\",\n \"country\": \"NG\",\n \"accountType\": \"corporate\",\n \"bankCode\": \"058\",\n \"name\": \"Pastel Office Supplies Ltd\",\n \"identityNumber\": 7429883,\n \"iban\": \"NG12GTBANK000123456789\",\n \"sortCode\": \"058152036\",\n \"bankCountry\": \"NG\",\n \"bankName\": \"Guaranty Trust Bank\",\n \"email\": \"finance@pastelofficesupplies.com\"\n },\n \"thirdPartyUserData\": {\n \"uniqueId\": \"CARD-HOLDER-88421\",\n \"cardPan\": \"539923******0421\",\n \"email\": \"cardholder@example.com\"\n },\n \"device\": {\n \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n \"manufacturer\": \"Apple\",\n \"name\": \"Amara iPhone 15 Pro\",\n \"osName\": \"iOS\",\n \"osVersion\": \"18.1.0\"\n },\n \"location\": {\n \"latitude\": \"6.6018\",\n \"longitude\": \"3.3515\",\n \"country\": \"NG\"\n },\n \"screeningData\": {\n \"senderName\": \"Amara Okafor\",\n \"receiverName\": \"Pastel Office Supplies Ltd\"\n },\n \"limits\": {\n \"dailyLimit\": 10000000,\n \"overdraftLimit\": 500000,\n \"individualTransactionLimit\": 6000000\n },\n \"beneficiary\": {\n \"isRegisteredBeneficiary\": true,\n \"isNewBeneficiary\": false\n },\n \"ipAddress\": \"102.89.45.12\"\n}"
response = http.request(request)
puts response.read_body{
"message": "Transaction processed",
"data": {
"transactionId": "txn_67f96122c2a7d1f2b6ea1207",
"riskScore": "0.27",
"action": {
"result": "approved",
"code": 1
},
"ruleResult": "looks safe",
"reason": {
"code": "TM-LOW-RISK",
"message": "No high-risk behavior was detected for this transaction",
"severity": "low",
"rule": {
"id": "rule-velocity-001",
"name": "Velocity threshold check"
}
}
}
}{
"message": "transactionData.reference is required",
"code": "VALIDATION_ERROR"
}{
"message": "transactionData.reference is required",
"code": "VALIDATION_ERROR"
}Body
application/json
Transaction payload for reporting
Response
Transaction processed
Response returned by POST /transaction-monitoring/instant
Transaction decision payload. Null when only reporting flow is active.
Show child attributes
Show child attributes
Example:
{
"transactionId": "txn_67f96122c2a7d1f2b6ea1207",
"riskScore": "0.27",
"action": { "result": "approved", "code": 1 },
"ruleResult": "looks safe",
"reason": {
"code": "TM-LOW-RISK",
"message": "No high-risk behavior was detected for this transaction",
"severity": "low",
"rule": {
"id": "rule-velocity-001",
"name": "Velocity threshold check"
}
}
}