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 @- <<EOF
{
  "transactionData": {
    "reference": "TXN-2026-061101-456789",
    "amount": 5750000,
    "receiverAccount": "0123456789",
    "senderAccount": "9876543210",
    "isExternalPayment": true,
    "balanceBefore": 8200000,
    "type": "debit",
    "channel": "bank transfer",
    "transactionDate": "2026-06-11T09:45:00.000Z",
    "status": true,
    "email": "amara.okafor@example.com",
    "narration": "Vendor invoice payment for office equipment",
    "refund": false,
    "isCheque": false,
    "vasReceiver": "+2348012345678",
    "vasProvider": "MTN",
    "currency": "NGN",
    "isInternalAccount": false,
    "isStaffAccount": false,
    "sessionId": "SESS-9f4b2c7a-20260611",
    "isDormantAccount": false
  },
  "device": {
    "deviceId": "ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789",
    "manufacturer": "Apple",
    "name": "Amara's iPhone 15 Pro",
    "osName": "iOS",
    "osVersion": "18.1.0"
  },
  "anonymizedUserData": {
    "uniqueId": "CUS-10001",
    "email": "amara.okafor@example.com",
    "accountType": "individual",
    "businessCategory": "retail",
    "isPhoneNumberVerified": true,
    "isBanned": false,
    "dateJoined": "2024-01-15T10:00:00.000Z",
    "age": 34,
    "isIdentityVerified": true,
    "state": "Lagos",
    "city": "Ikeja",
    "country": "NG"
  },
  "location": {
    "latitude": "6.6018",
    "longitude": "3.3515",
    "country": "NG"
  },
  "thirdPartyUserData": {
    "uniqueId": "CARD-HOLDER-88421",
    "cardPan": "539923******0421",
    "email": "cardholder@example.com"
  },
  "limits": {
    "dailyLimit": 10000000,
    "overdraftLimit": 500000,
    "individualTransactionLimit": 6000000
  },
  "screeningData": {
    "senderName": "Amara Okafor",
    "receiverName": "Pastel Office Supplies Ltd"
  },
  "beneficiary": {
    "isRegisteredBeneficiary": true,
    "isNewBeneficiary": false
  },
  "ipAddress": "102.89.45.12"
}
EOF

import requests

url = "https://sigmaprod.sabipay.com/api/v1/transaction-monitoring/instant"

payload = {
    "transactionData": {
        "reference": "TXN-2026-061101-456789",
        "amount": 5750000,
        "receiverAccount": "0123456789",
        "senderAccount": "9876543210",
        "isExternalPayment": True,
        "balanceBefore": 8200000,
        "type": "debit",
        "channel": "bank transfer",
        "transactionDate": "2026-06-11T09:45:00.000Z",
        "status": True,
        "email": "amara.okafor@example.com",
        "narration": "Vendor invoice payment for office equipment",
        "refund": False,
        "isCheque": False,
        "vasReceiver": "+2348012345678",
        "vasProvider": "MTN",
        "currency": "NGN",
        "isInternalAccount": False,
        "isStaffAccount": False,
        "sessionId": "SESS-9f4b2c7a-20260611",
        "isDormantAccount": False
    },
    "device": {
        "deviceId": "ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789",
        "manufacturer": "Apple",
        "name": "Amara's iPhone 15 Pro",
        "osName": "iOS",
        "osVersion": "18.1.0"
    },
    "anonymizedUserData": {
        "uniqueId": "CUS-10001",
        "email": "amara.okafor@example.com",
        "accountType": "individual",
        "businessCategory": "retail",
        "isPhoneNumberVerified": True,
        "isBanned": False,
        "dateJoined": "2024-01-15T10:00:00.000Z",
        "age": 34,
        "isIdentityVerified": True,
        "state": "Lagos",
        "city": "Ikeja",
        "country": "NG"
    },
    "location": {
        "latitude": "6.6018",
        "longitude": "3.3515",
        "country": "NG"
    },
    "thirdPartyUserData": {
        "uniqueId": "CARD-HOLDER-88421",
        "cardPan": "539923******0421",
        "email": "cardholder@example.com"
    },
    "limits": {
        "dailyLimit": 10000000,
        "overdraftLimit": 500000,
        "individualTransactionLimit": 6000000
    },
    "screeningData": {
        "senderName": "Amara Okafor",
        "receiverName": "Pastel Office Supplies Ltd"
    },
    "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: 'TXN-2026-061101-456789',
      amount: 5750000,
      receiverAccount: '0123456789',
      senderAccount: '9876543210',
      isExternalPayment: true,
      balanceBefore: 8200000,
      type: 'debit',
      channel: 'bank transfer',
      transactionDate: '2026-06-11T09:45:00.000Z',
      status: true,
      email: 'amara.okafor@example.com',
      narration: 'Vendor invoice payment for office equipment',
      refund: false,
      isCheque: false,
      vasReceiver: '+2348012345678',
      vasProvider: 'MTN',
      currency: 'NGN',
      isInternalAccount: false,
      isStaffAccount: false,
      sessionId: 'SESS-9f4b2c7a-20260611',
      isDormantAccount: false
    },
    device: {
      deviceId: 'ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789',
      manufacturer: 'Apple',
      name: 'Amara\'s iPhone 15 Pro',
      osName: 'iOS',
      osVersion: '18.1.0'
    },
    anonymizedUserData: {
      uniqueId: 'CUS-10001',
      email: 'amara.okafor@example.com',
      accountType: 'individual',
      businessCategory: 'retail',
      isPhoneNumberVerified: true,
      isBanned: false,
      dateJoined: '2024-01-15T10:00:00.000Z',
      age: 34,
      isIdentityVerified: true,
      state: 'Lagos',
      city: 'Ikeja',
      country: 'NG'
    },
    location: {latitude: '6.6018', longitude: '3.3515', country: 'NG'},
    thirdPartyUserData: {
      uniqueId: 'CARD-HOLDER-88421',
      cardPan: '539923******0421',
      email: 'cardholder@example.com'
    },
    limits: {
      dailyLimit: 10000000,
      overdraftLimit: 500000,
      individualTransactionLimit: 6000000
    },
    screeningData: {senderName: 'Amara Okafor', receiverName: 'Pastel Office Supplies Ltd'},
    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' => 'TXN-2026-061101-456789',
        'amount' => 5750000,
        'receiverAccount' => '0123456789',
        'senderAccount' => '9876543210',
        'isExternalPayment' => true,
        'balanceBefore' => 8200000,
        'type' => 'debit',
        'channel' => 'bank transfer',
        'transactionDate' => '2026-06-11T09:45:00.000Z',
        'status' => true,
        'email' => 'amara.okafor@example.com',
        'narration' => 'Vendor invoice payment for office equipment',
        'refund' => false,
        'isCheque' => false,
        'vasReceiver' => '+2348012345678',
        'vasProvider' => 'MTN',
        'currency' => 'NGN',
        'isInternalAccount' => false,
        'isStaffAccount' => false,
        'sessionId' => 'SESS-9f4b2c7a-20260611',
        'isDormantAccount' => false
    ],
    'device' => [
        'deviceId' => 'ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789',
        'manufacturer' => 'Apple',
        'name' => 'Amara\'s iPhone 15 Pro',
        'osName' => 'iOS',
        'osVersion' => '18.1.0'
    ],
    'anonymizedUserData' => [
        'uniqueId' => 'CUS-10001',
        'email' => 'amara.okafor@example.com',
        'accountType' => 'individual',
        'businessCategory' => 'retail',
        'isPhoneNumberVerified' => true,
        'isBanned' => false,
        'dateJoined' => '2024-01-15T10:00:00.000Z',
        'age' => 34,
        'isIdentityVerified' => true,
        'state' => 'Lagos',
        'city' => 'Ikeja',
        'country' => 'NG'
    ],
    'location' => [
        'latitude' => '6.6018',
        'longitude' => '3.3515',
        'country' => 'NG'
    ],
    'thirdPartyUserData' => [
        'uniqueId' => 'CARD-HOLDER-88421',
        'cardPan' => '539923******0421',
        'email' => 'cardholder@example.com'
    ],
    'limits' => [
        'dailyLimit' => 10000000,
        'overdraftLimit' => 500000,
        'individualTransactionLimit' => 6000000
    ],
    'screeningData' => [
        'senderName' => 'Amara Okafor',
        'receiverName' => 'Pastel Office Supplies Ltd'
    ],
    '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\": \"TXN-2026-061101-456789\",\n    \"amount\": 5750000,\n    \"receiverAccount\": \"0123456789\",\n    \"senderAccount\": \"9876543210\",\n    \"isExternalPayment\": true,\n    \"balanceBefore\": 8200000,\n    \"type\": \"debit\",\n    \"channel\": \"bank transfer\",\n    \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n    \"status\": true,\n    \"email\": \"amara.okafor@example.com\",\n    \"narration\": \"Vendor invoice payment for office equipment\",\n    \"refund\": false,\n    \"isCheque\": false,\n    \"vasReceiver\": \"+2348012345678\",\n    \"vasProvider\": \"MTN\",\n    \"currency\": \"NGN\",\n    \"isInternalAccount\": false,\n    \"isStaffAccount\": false,\n    \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n    \"isDormantAccount\": false\n  },\n  \"device\": {\n    \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n    \"manufacturer\": \"Apple\",\n    \"name\": \"Amara's iPhone 15 Pro\",\n    \"osName\": \"iOS\",\n    \"osVersion\": \"18.1.0\"\n  },\n  \"anonymizedUserData\": {\n    \"uniqueId\": \"CUS-10001\",\n    \"email\": \"amara.okafor@example.com\",\n    \"accountType\": \"individual\",\n    \"businessCategory\": \"retail\",\n    \"isPhoneNumberVerified\": true,\n    \"isBanned\": false,\n    \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n    \"age\": 34,\n    \"isIdentityVerified\": true,\n    \"state\": \"Lagos\",\n    \"city\": \"Ikeja\",\n    \"country\": \"NG\"\n  },\n  \"location\": {\n    \"latitude\": \"6.6018\",\n    \"longitude\": \"3.3515\",\n    \"country\": \"NG\"\n  },\n  \"thirdPartyUserData\": {\n    \"uniqueId\": \"CARD-HOLDER-88421\",\n    \"cardPan\": \"539923******0421\",\n    \"email\": \"cardholder@example.com\"\n  },\n  \"limits\": {\n    \"dailyLimit\": 10000000,\n    \"overdraftLimit\": 500000,\n    \"individualTransactionLimit\": 6000000\n  },\n  \"screeningData\": {\n    \"senderName\": \"Amara Okafor\",\n    \"receiverName\": \"Pastel Office Supplies Ltd\"\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\": \"TXN-2026-061101-456789\",\n    \"amount\": 5750000,\n    \"receiverAccount\": \"0123456789\",\n    \"senderAccount\": \"9876543210\",\n    \"isExternalPayment\": true,\n    \"balanceBefore\": 8200000,\n    \"type\": \"debit\",\n    \"channel\": \"bank transfer\",\n    \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n    \"status\": true,\n    \"email\": \"amara.okafor@example.com\",\n    \"narration\": \"Vendor invoice payment for office equipment\",\n    \"refund\": false,\n    \"isCheque\": false,\n    \"vasReceiver\": \"+2348012345678\",\n    \"vasProvider\": \"MTN\",\n    \"currency\": \"NGN\",\n    \"isInternalAccount\": false,\n    \"isStaffAccount\": false,\n    \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n    \"isDormantAccount\": false\n  },\n  \"device\": {\n    \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n    \"manufacturer\": \"Apple\",\n    \"name\": \"Amara's iPhone 15 Pro\",\n    \"osName\": \"iOS\",\n    \"osVersion\": \"18.1.0\"\n  },\n  \"anonymizedUserData\": {\n    \"uniqueId\": \"CUS-10001\",\n    \"email\": \"amara.okafor@example.com\",\n    \"accountType\": \"individual\",\n    \"businessCategory\": \"retail\",\n    \"isPhoneNumberVerified\": true,\n    \"isBanned\": false,\n    \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n    \"age\": 34,\n    \"isIdentityVerified\": true,\n    \"state\": \"Lagos\",\n    \"city\": \"Ikeja\",\n    \"country\": \"NG\"\n  },\n  \"location\": {\n    \"latitude\": \"6.6018\",\n    \"longitude\": \"3.3515\",\n    \"country\": \"NG\"\n  },\n  \"thirdPartyUserData\": {\n    \"uniqueId\": \"CARD-HOLDER-88421\",\n    \"cardPan\": \"539923******0421\",\n    \"email\": \"cardholder@example.com\"\n  },\n  \"limits\": {\n    \"dailyLimit\": 10000000,\n    \"overdraftLimit\": 500000,\n    \"individualTransactionLimit\": 6000000\n  },\n  \"screeningData\": {\n    \"senderName\": \"Amara Okafor\",\n    \"receiverName\": \"Pastel Office Supplies Ltd\"\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\": \"TXN-2026-061101-456789\",\n    \"amount\": 5750000,\n    \"receiverAccount\": \"0123456789\",\n    \"senderAccount\": \"9876543210\",\n    \"isExternalPayment\": true,\n    \"balanceBefore\": 8200000,\n    \"type\": \"debit\",\n    \"channel\": \"bank transfer\",\n    \"transactionDate\": \"2026-06-11T09:45:00.000Z\",\n    \"status\": true,\n    \"email\": \"amara.okafor@example.com\",\n    \"narration\": \"Vendor invoice payment for office equipment\",\n    \"refund\": false,\n    \"isCheque\": false,\n    \"vasReceiver\": \"+2348012345678\",\n    \"vasProvider\": \"MTN\",\n    \"currency\": \"NGN\",\n    \"isInternalAccount\": false,\n    \"isStaffAccount\": false,\n    \"sessionId\": \"SESS-9f4b2c7a-20260611\",\n    \"isDormantAccount\": false\n  },\n  \"device\": {\n    \"deviceId\": \"ios-7F3A9C2E-91B4-4A5E-9D8A-1F23C4B56789\",\n    \"manufacturer\": \"Apple\",\n    \"name\": \"Amara's iPhone 15 Pro\",\n    \"osName\": \"iOS\",\n    \"osVersion\": \"18.1.0\"\n  },\n  \"anonymizedUserData\": {\n    \"uniqueId\": \"CUS-10001\",\n    \"email\": \"amara.okafor@example.com\",\n    \"accountType\": \"individual\",\n    \"businessCategory\": \"retail\",\n    \"isPhoneNumberVerified\": true,\n    \"isBanned\": false,\n    \"dateJoined\": \"2024-01-15T10:00:00.000Z\",\n    \"age\": 34,\n    \"isIdentityVerified\": true,\n    \"state\": \"Lagos\",\n    \"city\": \"Ikeja\",\n    \"country\": \"NG\"\n  },\n  \"location\": {\n    \"latitude\": \"6.6018\",\n    \"longitude\": \"3.3515\",\n    \"country\": \"NG\"\n  },\n  \"thirdPartyUserData\": {\n    \"uniqueId\": \"CARD-HOLDER-88421\",\n    \"cardPan\": \"539923******0421\",\n    \"email\": \"cardholder@example.com\"\n  },\n  \"limits\": {\n    \"dailyLimit\": 10000000,\n    \"overdraftLimit\": 500000,\n    \"individualTransactionLimit\": 6000000\n  },\n  \"screeningData\": {\n    \"senderName\": \"Amara Okafor\",\n    \"receiverName\": \"Pastel Office Supplies Ltd\"\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-2026-061101-456789",
    "riskScore": "0.31",
    "action": {
      "result": "approved",
      "code": 1
    },
    "ruleResult": null,
    "reason": {
      "code": "100",
      "message": "Transaction is not fraudulent",
      "severity": "low"
    }
  }
}

{
  "error": 400,
  "message": "Invalid request payload: transactionData.reference is required"
}

{
  "error": 400,
  "message": "Invalid request payload: transactionData.reference is required"
}