API Integration Guide

There are two primary ways to utilize SEON’s services, tailored to different operational needs and risk management strategies.

For both use cases, we recommend integrating the Fraud API as a single, comprehensive API, as it consolidates multiple tools into a streamlined interface for ease of use and consistent results.

The Fraud API

SEON’s proprietary modular Fraud API serves as a versatile solution for risk management by combining digital footprinting, device intelligence, and decisioning into a single, unified API call. Upon submitting a request, the API returns enriched data, rule evaluation results, and a scoring assessment, all within a single response payload.

The Fraud API processes multiple types of data inputs, including user information, transactional or event-specific data, and custom fields for any additional information you define, enabling more tailored and precise risk assessments.

This streamlined process minimizes integration complexity while providing powerful insights for both automated and manual risk evaluations.

Available APIs Within the Fraud API

SEON’s Fraud API encompasses a range of specialized data enrichment tools, which can be used individually or collectively for comprehensive risk assessments:

• AML API: Complement your fraud prevention toolkit with anti-money laundering tools. AML API makes anti-money laundering checks efficient and pain-free.
• Email API: Our standalone email enrichment tool that will help you learn about the approximate minimum age of an email address, its provider, and any connected online profiles.
• Phone API: Unlock insights into a user's phone number's history, and social or digital profiles connected to it, using SEON's standalone phone number enrichment solution.
• IP API: Identify suspicious VPN and proxy connections and pinpoint users with accurate geolocation information relying on our standalone IP address data enrichment API.
• BIN API: Unearth information about a card's bank, issuer, country, type, and validity using our BIN API. Identify pre-paid, gift, and credit cards to counter payment fraud effectively.
• Device Intelligence: It collects and analyzes device data to identify unique devices, detect suspicious configurations such as residential proxies, remote access, or bot behavior, and leverages behavioral biometrics to spot anomalies in user interactions. This involves integrating JavaScript modules or SDKs for iOS and Android, and sending the collected session data to SEON via the Fraud API to enable device fingerprinting and behavioral analysis.

API Management and Operational Guidelines

To ensure secure and efficient API usage, the following operational guidelines apply:

Authentication: SEON APIs use a standard HTTP Authorization header. A unique license_key is required, which can be generated from the Organization page within the SEON Admin. Admin users have the ability to create separate keys for both Production and Sandbox environments, providing flexibility for development and testing.

Error Handling and Rate Limits: SEON provides detailed error messages to assist with troubleshooting. Rate limits and timeout logic are in place to maintain service availability. Refer to the API Errors Reference page for a full breakdown of error codes and handling practices.

API Change Management: SEON adheres to a clear API Policy regarding breaking and non-breaking changes to the API. This ensures stability while allowing for continuous improvement. It is recommended to review the latest version of the API policy regularly to stay informed of any updates.

API Recommendations Based on Use Cases

Use the table below to identify the most suitable APIs for various touchpoints. Refer to the corresponding sections below for recommended API fields and integration guidelines.

Customer Onboarding

Prevent fraudulent activity during customer registration by identifying high-risk users early. Detect fake accounts, synthetic and stolen identities, multi-accounting, bots, and bonus abuse using SEON’s fraud prevention tools. Verify new accounts by performing digital and social footprint checks based on email addresses and phone numbers. Gain further insights into the user's connection through IP address lookup and device intelligence to detect risky devices, residential proxies, and bot attacks. You can also use our device intelligence for behavioral analysis. Suggested setup using the Fraud API:

• Email API and Phone API digital footprinting
• Device intelligence
• IP address analysis

For more detailed options, refer to the full API reference.

Login Monitoring

Mitigate account takeover (ATO) risks and safeguard against unauthorized account access and fraudulent transactions. ATOs can result in chargebacks, unauthorized withdrawals, or fraudulent purchases. Use SEON’s login monitoring, powered by customizable rules and machine learning-driven proactive protection.

Enhance security by running device intelligence and IP address checks to identify unfamiliar devices, suspicious location changes, uncharacteristic user behavior, remote access tools, and much more. Suggested setup using the Fraud API:

• Device intelligence
• IP address analysis

Explore the full API reference for comprehensive coverage of available fields.

Transaction Monitoring

Monitor financial transactions such as new orders, fund transfers, deposits, withdrawals to identify potentially fraudulent activity. Leverage SEON’s tools to analyze transaction velocities, geodistances, , user-entered addresses, payment methods, and device characteristics, which help flag unusual patterns and questionable behavior. Suggested setup using the Fraud API:

• Device intelligence
• IP address analysis
• BIN details
• Transactional and order information
• Additional details using Custom fields which are relevant to your organisation but not included in the out-of-the-box attributes

Review the full API reference for an exhaustive list of fields and parameters.

Activity Monitoring

Track user actions, including account modifications and other critical events, from a risk management perspective. Use SEON’s data points like geolocation data, digital & social footprints of changed user profile information, event details, and device characteristics to identify and prevent high-risk activities. Suggested setup using the Fraud API:

• Device intelligence
• IP address analysis
• Email API and Phone API digital footprinting, during account updates to these attributes
• Additional activity details using custom fields

For further details, consult the complete API reference.

Anti-Money Laundering (AML)

Enhance your AML efforts during customer onboarding and ongoing transaction monitoring using SEON’s AML tools. Screen and monitor financial movements such as fund transfers, deposits, and withdrawals for suspicious activity. Render real-time decisions using rules & scoring, or leverage SEON’s alerts & case management functionality to investigate and report on suspicious or illicit activities. Analyze transactional details, geolocation data, and device information to detect potentially harmful actions, such as unusual fund transfers, rapid successive transactions, or activity originating from high-risk regions. Suggested setup:

• Customer screening using our AML API
• Transactional detail analysis using Fraud API
• Device intelligence
• IP address analysis

Explore the full API reference for additional fields and configurations.

Data Enrichment and Credit Scoring

Leverage digital footprint analysis to enhance credit scoring and fraud prevention by identifying trustworthy patterns based on a user’s online activity, such as verifying account longevity, social media presence, and consistency in provided contact details. Users generate a wealth of digital signals through their online presence, including email addresses, phone numbers, and social media activity. SEON’s data enrichment tools help extract valuable insights to reduce fraud risks and improve credit scoring accuracy.

Run comprehensive background checks using SEON’s Email, Phone, and IP APIs, maximizing the number of provided data points to enhance analysis quality. Suggested setup:

• Email API and Phone API digital footprinting
• Device intelligence
• IP address analysis

Access the full API reference here for a complete list of data fields and recommendations.

Additional APIs for Enhanced Risk Management and Compliance

In addition to the core Fraud API, SEON offers a range of specialized APIs to further support your security, compliance, and data management needs. These secondary APIs can be integrated alongside the Fraud API to expand your capabilities, from advanced event monitoring and geolocation validation to streamlined data protection compliance and fraud prevention adjustments. Below is a categorized overview of these APIs, guiding you toward the most suitable tools for your business needs. For complete implementation details, please refer to the respective API documentation.

Standalone APIs

• AML Entity API: Our entity search enables you to query organizations via the AML API to determine whether they appear on any Sanctions or Watchlists, helping you ensure compliance and avoid engagement with high-risk or flagged entities.
• Email Verification API: Our quick email verification tool will tell you whether an email address is valid and deliverable using a  fast SMTP-MX check.
• Geofence API: The standalone Geofence API integrates effortlessly with SEON’s Device Intelligence SDKs to analyze device geolocation against predefined geofences. It provides accurate, compliance-ready location data and insights into location behavior, enabling businesses to enhance security, manage geofence interactions, and improve operational efficiency.

Data Governance APIs

• Self Exclusion API: Online gambling operators can enable self-exclusion lists using our bespoke API if required by law. The API uses the email address, phone number, full name, date of birth, user country, and user zip fields.
• Erase API: Under certain data protection regulations, companies that handle personal data are required to delete it upon request. With our Erase API, you can erase all data related to one or multiple users by providing email addresses or user IDs.
• User Actions API: SEON's User Actions API is a security information and event management solution. User Actions API takes events from the Logs page on the SEON Admin Panel that occurred between two specified points in time and sends them to the defined endpoint.

Fraud Management APIs for our Core APIs

• Tag API: Enables the categorization of transactions with tags that can be managed and filtered directly from the SEON Admin Panel.
• Label API: Automates feedback into SEON's machine learning algorithms, enhancing the system’s accuracy by reducing false positives and negatives.
• List API: Facilitates the addition of data points to blacklists, whitelists, or custom lists with the ability to modify associated request and response parameters.
• Exclude User from Rule API: Prevents specific users from being affected by certain custom rules, ideal for flexible API-driven fraud management setups.

Alternative Integration Options

In addition to API-based integration, SEON offers other flexible options for businesses looking to implement fraud prevention with minimal technical effort. These alternatives provide seamless setups directly within popular platforms for faster deployment and effective risk management.

Shopify Integration

Integrating SEON with your Shopify store is a straightforward process designed for ease of use. Simply install the SEON app from the Shopify App Store, and the default configuration will immediately begin screening orders for fraud. SEON works by analyzing transaction data, identifying suspicious patterns, and scoring orders for risk. It helps prevent chargebacks by automatically approving low-risk orders and flagging those with potential threats. For greater control, you can customize the risk thresholds and rules directly within the SEON dashboard to match your store's unique risk profile.

AWS Marketplace

SEON is an AWS ISV Accelerate partner and the only fraud solution listed on the AWS Marketplace. AWS customers can contract with SEON through the AWS marketplace, streamlining procurement and billing and making your business eligible for discounts and consumption credits under your AWS license agreement. For more information, speak to your SEON or AWS account representative about this purchasing option.