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 @- <<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"
}
EOFimport 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"
}Transaction Monitoring
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 @- <<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"
}
EOFimport 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"
}Body
application/json
Transaction payload to be screened and monitored
Response
Transaction monitoring result
Transaction result payload. Can be null for reporting-only processing mode.
Show child attributes
Show child attributes
Example:
{
"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"
}
}