Additional Risk Data Information

For a more in-depth analysis of transactions for fraud patterns, we strongly recommend that our merchants use the additional_risk_data object in their Payment API calls, which can be used to better identify fraudulent transactions.

Merchants may provide the information that applies for their particular case.

Property	Type	Description
`submerchant`	Submerchant object	Information on the submerchant account. Required for PSPs / Marketplaces.
`shipping`	Shipping object	Information on the shipping/alternative address. Required for Retail.
`beneficiary`	Beneficiary object	Information on the beneficiary, if different from the payer.
`basket`	List of Item objects	Information on the items purchased. Required.
`payer`	Payer object	Additional information on the payer's user account.
`purchase`	Purchase object	The purchase object is used to provide additional general information about the purchase.
`discount_codes`	Discount Codes	The discount codes object is used to provide additional information about discount codes.
`device`	Device object	Additional information on the device used for purchase.
`travel`	Travel object	The travel object is used to provide additional information details about the travel operations.
`ridesharing`	Ridesharing object	The ridesharing object is used to provide additional information details about the ridesharing operations.

Example Payment with Additional Risk Data object

{
  "amount": 399.80,
  "currency": "USD",
  "country": "BR",
  "payment_method_id": "CARD",
  "payment_method_flow": "DIRECT",
  "payer":{
      "name": "Thiago Gabriel",
      "email": "[email protected]",
      "document": "53033315550",
      "user_reference": "12345",
      "address": {
          "state": "Rio de Janeiro",
          "city": "Volta Redonda",
          "zip_code": "27275-595",
          "street": "Servidao B-1",
          "number": "1106"
      }
  },
  "card":{
      "holder_name": "Thiago Gabriel",
      "number": "4111111111111111",
      "cvv": "123",
      "expiration_month": 10,
      "expiration_year": 2040
  },
  "order_id": "657434343",
  "notification_url": "http://merchant.com/notifications",
  "additional_risk_data": {
      "submerchant": {
          "merchant_reference": "12534",
          "name": "Submerchant name",
          "website": "https://www.submerchant.com",
          "industry": 17,
          "document": "15236713521",
          "nationality": "BR",
          "email": "[email protected]",
          "username": "submerchant_username",
          "phone": "123456712345",
          "created_date": "20210311",
          "total_order_count": 35,
          "total_order_amount": 45020,
          "last_updated_date": "20210312",
          "onboarding_ip_address": "123.21.31.124",
          "onboarding_email": "[email protected]",
          "reputation": 4,
          "ship_from_address": {
              "state": "Montevideo",
              "city": "Montevideo",
              "zip_code": "11300",
              "street": "Avda. Brasil",
              "number": "1234 Ap. 401"
          },
						"last_login":"20210312",
						"device_id":"2fg3d4gf234",
						"KYC_review":true,
						"Fraud_review":true,
						"Fraud_review_type":"MULTIPLE_ACCOUNTS",
						"Fraud_review_description":"Passed to fraud review because of blacklist NEW_ACCOUNT_MULTIPLE_ACCOUNTS",
						"submerchant_description":"Business description",
						"Checkout_type":"WEBSITE_REDIRECT",
						"Checkout_subtype":"TOKEN",
						"Registered_Company":true,
            "bank_account": {
                "beneficiary_name": "Account's onwer's nam",
                "beneficiary_document": "15236713521",
                "account": "487445839",
                "branch": "name/number",
                "beneficiary_email": "[email protected]",
                "beneficiary_phone": "5512345678901"
            }, 
      },
      "shipping": {
          "address": {
              "state": "Montevideo",
              "city": "Montevideo",
              "zip_code": "11300",
              "street": "Avda. Brasil",
              "number": "1234 Ap. 501"
          },
          "is_physical": true,
          "cost": 12.34,
          "delivery_company": "FadEx",
          "method": "FREE",
          "delivery_date": "20211020",
          "is_forwarding_address": false,
          "geolocation": "-34.8798853,-56.1867859"
      },
      "beneficiary": {
          "email": "[email protected]",
          "name": "John Doe",
          "phone": "09671268364",
          "document": "513672561"
      },
      "basket": [
          {
              "unit_price": 199.90,
              "brand": "Smoogle",
              "category": "Smartphone",
              "item_reference": "SP-562138",
              "upc": "1758929364928",
              "manufacturer": "Smoogle",
              "product_name": "Pexel 25",
              "quantity": 2,
              "size": "regular",
              "subcategory": "Droid smartphones",
              "url": "https://www.merchant.com/products/SP-562138",
              "published_date": "20201113",
              "rating": 4.5,
              "count_reviews": 13,
              "image": "https://www.merchant.com/products/SP-562138/photos/1.jpg",
              "stock": 32,
              "weight": 0.34,
              "subscription": {
                  "id": "A15-D267125367",
                  "period": "P1M",
                  "current_period": 3,
                  "end_date": "20220101" 
              }
          }
      ],
      "payer" : {
          "email_is_valid": true,
          "phone_is_valid": false,
          "account_creation_date": "20201110",
          "first_purchase_date": "20201110",
          "is_positive": false,
          "last_order_id": "1525634152634",
          "total_order_count": 12,
          "total_order_amount": 152.03,
          "last_updated_date": "20201020",
          "wish_list": [
              {
                  "item_reference": "125312435",
                  "unit_price": 1300,
                  "product_name": "Pexel 25 for dummies"
              }
          ],
          "reputation": 5
      },
      "discount_codes": [
          {
              "amount": 10,
              "percentage": 20,
              "code": "PROMO20OFF",
              "valid_until": "20211130",
              "description": "20% off Smoogle products"
          }
      ],
    
      "device": {
          "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/86.0.4240.198 Safari/537.36",
          "geolocation" : "-34.8798853,-56.1867859",
          "locale": "en-US",
          "advertising_id": "EA7583CD-A667-48BC-B806-42ECB2B48606",
          "vendor_id": "uapff_93e9a58cc03a0e7f45c2cf50ca567a99",
          "android_id": "cdda802e-fb9c-47ad-9866-0794d394c913",
          "media_drm_id": "0102030405060708090a0b0c0d0e0f10",
          "event_uuid": "ab825a72-62c3-4df5-9886-25c75856fac7"

      },
      "purchase": {
          "is_retry": false,
          "channel": "WEB",
          "time_in_session": 55,
          "search_history": [
              {
                  "item_reference": "125312435",
                  "unit_price": 1300,
                  "product_name": "Pexel 25 for dummies"
              }
          ]
      },

      "travel": {
          "car_rental": [
              {
                  "insurance_charges": 160.00,
                  "pickup_city": "Montevideo",
                  "pickup_country": "UY",
                  "pickup_date": "2021032",
                  "rental_charges": 15.03,
                  "return_city": "Buenos Aires",
                  "return_country": "AR",
                  "return_date": "20210320"
              }
          ],
          "flight": {
              "itinerary": {
                  "flight_code": "AR138",
                  "reservation_code": "6AL3J2",
                  "legs": [
                      {
                          "amount": 800.00,
                          "arrival": "MVD",
                          "arrival_time": "2021-04-29 07:16:24",
                          "carrier_code": "AR",
                          "class_of_travel": "F",
                          "departure": "EZE",
                          "departure_time": "2021-04-29 04:30:15",
                          "destination": "Montevideo"
                      }
                  ]
              },
              "passengers": [
                  {
                      "date_of_birth": "19890703",
                      "ffp_ID": "ABC3454",
                      "first_name": "John",
                      "last_name": "Doe",
                      "nationality": "BR"
                  }
              ]
          },
          "lodging": [
              {
                  "amount": 123,
                  "check_in_date": "20210314",
                  "check_out_date": "20210318",
                  "city": "Montevideo",
                  "country": "UY",
                  "guests": 2,
                  "prepaid_expenses": 0,
                  "rooms": 1
              }
          ]
      },

   "driver" : {
            "account_creation_date": "20201110",
            "reputation": 5,
            "number_of_rides":1050,
            "name":"John doe",
            "phone": "123456712345",
            "document": "53033315551",
            "user_reference":"12345"
        },
    "trip" : {
            "pick_up_address":{
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 501"
            },
            "pick_up_geo_loc": "-34.8798853,-56.1867859",
            "drop_off_address":{
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 501"
            },
            "drop_off_geo_loc": "-34.8798853,-56.1867859",
           	"estimated_time":25,
           	"distance":10
         },
  	"rider" : {
						"reputation": 5  
        }
   }
}

Detail Information

Submerchant

For PSPs/merchants with sub-merchant accounts, the submerchant object may be used to provide more information on the specific sub-merchant for which the payment was issued.

Property	Type	Description
`merchant_reference`	String	The ID/reference of the sub-merchant account.
`name`	String	Sub-merchant name. Required for PSPs/marketplaces.
`website`	String	Sub-merchant website.
`industry`	Number	Sub-merchant industry, see industry codes list.
`document`	String	Submerchant's document.
`nationality`	String	Submerchant's nationality (ISO 3166 country code).
`email`	String	Submerchant's email address.
`username`	String	The unique username associated with the seller's online account.
`phone`	String	Phone number.
`created_date`	String	Date of account creation in YYYYMMDD format.
`total_order_count`	Number	The total count of orders sold by this seller.
`total_order_amount`	Number	The total amount sold by this seller (in USD).
`last_updated_date`	String	The last time a change was made to this submerchant (e.g. changed address). YYYYMMDD format.
`onboarding_ip_address`	String	The IP address of the device used when this seller account was created.
`onboarding_email`	String	The email used when this seller account was created.
`reputation`	Number	The reputation of the submerchant, from 0 (negative) to 5 (positive).
`ship_from_address`	Object	The address from where the submerchant ships the orders.
`ship_from_address.street`	String	Street.
`ship_from_address.number`	String	Street number.
`ship_from_address.city`	String	City.
`ship_from_address.zip_code`	String	ZIP Code.
`ship_from_address.state`	String	State.
`last_login`	YYYYMMDD	The last time this submerchant logged in.
`device_id`	String	Submerchant's unique device identifier (onboarding)
`KYC_review`	Boolean	Informs if KYC was reviewed
`Fraud_review`	Boolean	Informs if there was a fraud review
`Fraud_review_type`	List	If there was a fraud review, what type was it
`Fraud_review_description`	String	Description of the fraud review performed
`submerchant_description`	String	Information and description about the business provided by the merchant
`Checkout_type`	String	Type of integration the merchant is using for the checkout
`Checkout_subtype`	String	Additional information regarding the integration subtype
`industry_name`	String	Merchant Industry
`Registered_Company`	Boolean	If the merchant is and individual or a company
`bank_account`	Object	Bank account information
`bank_account.beneficiary_name`	String	Bank account's owner's full name
`bank_account.beneficiary_document`	String	Bank account's owner's document ID
`bank_account.account`	Number	Bank account's number
`bank_account.branch`	String	Where was the bank account opened
`bank_account.beneficiary_email`	String	Bank account's owner's email address
`bank_account.beneficiary_phone`	Number	Bank account's owner's phone number

Example Submerchant object

"submerchant": {
            "merchant_reference": "12534",
            "name": "Submerchant name",
            "website": "https://www.submerchant.com",
            "industry": 17,
            "document": "15236713521",
            "nationality": "BR",
            "email": "[email protected]",
            "username": "submerchant_username",
            "phone": "123456712345",
            "created_date": "20210311",
            "total_order_count": 35,
            "total_order_amount": 45020,
            "last_updated_date": "20210312",
            "onboarding_ip_address": "123.21.31.124",
            "onboarding_email": "[email protected]",
            "reputation": 4,
            "ship_from_address": {
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 401"
            },
						"last_login":"20210312",
						"device_id":"2fg3d4gf234",
						"KYC_review":true,
						"Fraud_review":true,
						"Fraud_review_type":"MULTIPLE_ACCOUNTS",
						"Fraud_review_description":"Passed to fraud review because of blacklist NEW_ACCOUNT_MULTIPLE_ACCOUNTS",
						"submerchant_description":"Business description",
						"Checkout_type":"WEBSITE_REDIRECT",
						"Checkout_subtype":"TOKEN",
						"Registered_Company":true,
            "bank_account": {
                "beneficiary_name": "Account's onwer's nam",
                "beneficiary_document": "15236713521",
                "account": "487445839",
                "branch": "name/number",
                "beneficiary_email": "[email protected]",
                "beneficiary_phone": "5512345678901"
            },  
  
  }

Shipping

For merchants who handle separate Payment/Shipping addresses, the Shipping object may be used to specify the shipping address, and also to indicate whether the purchase has a physical delivery or not (i.e. retail vs digital goods).

Property	Type	Description
`address`	Address object	Represents the address, documented in this table.
`address.state`	String	State.
`address.city`	String	City.
`address.zip_code`	String	ZIP Code.
`address.street`	String	Street.
`address.number`	String	Street number.
`is_physical`	Boolean	True if a physical delivery to this address is involved (i.e. for retail goods).
`cost`	Number	Cost of the delivery (in USD).
`delivery_company`	String	Name of the delivery company.
`method`	String	The type of shipment selected during checkout. See the list.
`delivery_date`	String	Shipping delivery date. in YYYYMMDD format.
`is_fowarding_address`	Boolean	If the shipping address is a forwarding address.
`geolocation`	String	Shipping geolocation.

Example Shipping object

"shipping": {
            "address": {
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 501"
            },
            "is_physical": true,
            "cost": 12.34,
            "delivery_company": "FadEx",
            "method": "FREE",
            "delivery_date": "20211020",
            "is_forwarding_address": false,
            "geolocation": "-34.8798853,-56.1867859"
        }

Beneficiary

Property	Type	Description
`email`	String	Email address.
`name`	String	Name & surname.
`phone`	String	Phone number.
`document`	String	Document.

Example Beneficiary object

"beneficiary": {
            "email": "[email protected]",
            "name": "John Doe",
            "phone": "09671268364",
            "document": "513672561"
        }

Item

The basket property contains a list of Item objects, used to provide information on the items purchased. Item objects are required for effective fraud prevention, within these the properties marked with "Recommended" are the most recommended ones to include.

Property	Type	Description
`unit_price`	Number	Unit price. Recommended.
`brand`	String	Product brand.
`category`	String	Product category. Recommended.
`item_reference`	String	Item ID/Reference. Recommended.
`upc`	String	Universal Product Code.
`manufacturer`	String	Product manufacturer.
`product_name`	String	Product or service name. Recommended.
`quantity`	Number	Quantity of items purchased. Recommended
`size`	String	Product size (e.g. S, M, L, XL).
`subcategory`	String	The item subcategory.
`url`	String	The item URL.
`published_date`	String	Date when the product was added/published in the store. In YYYYMMDD format.
`rating`	Number	The product rating, as a score from 1 to 5.
`count_reviews`	Number	Number of customer reviews the product has received.
`image`	String	The URL with the product image.
`stock`	Number	The quantity of products available for sale.
`weight`	Number	The product weight in kg.
`subscription`	Object	A subscription object can be used to specify additional data for subscription business models.
`subscription.id`	String	Subscription ID/reference.
`subscription.period`	String	Renewal period in ISO 8601 format (P1M, P3M, P1Y etc).
`subscription.current_period`	Number	The current subscription period that the recurring order belongs.
`subscription.end_date`	String	Subscription end date. YYYYMMDD format.

Example Basket & Item object

"basket": [
            {
                "unit_price": 199.90,
                "brand": "Smoogle",
                "category": "Smartphone",
                "item_reference": "SP-562138",
                "upc": "1758929364928",
                "manufacturer": "Smoogle",
                "product_name": "Pexel 25",
                "quantity": 2,
                "size": "regular",
                "subcategory": "Droid smartphones",
                "url": "https://www.merchant.com/products/SP-562138",
                "published_date": "20201113",
                "rating": 4.5,
                "count_reviews": 13,
                "image": "https://www.merchant.com/products/SP-562138/photos/1.jpg",
                "stock": 32,
                "weight": 0.34,
                "subscription": {
                    "id": "A15-D267125367",
                    "period": "P1M",
                    "current_period": 3,
                    "end_date": "20220101" 
                }
            }
        ]

Payer

Property	Type	Description
`email_is_valid`	Boolean	Set to `TRUE` if the payer's email has been validated.
`phone_is_valid`	Boolean	Set to `TRUE` if the payer's phone number has been validated.
`account_creation_date`	String	Date of account creation in YYYYMMDD format.
`first_purchase_date`	String	Date of first successful purchase in YYYYMMDD format.
`is_positive`	Boolean	Set to `TRUE` if this payer is considered as a positive user by the merchant, e.g. for regular customers with a good purchase history.
`last_order_id`	String	Last order id placed by this account, not including the current order.
`total_order_count`	Number	The total count of orders purchased by this account.
`total_order_amount`	Number	The total amount purchased by this account.
`last_updated_date`	Date	The last time a change was made to this account, e.g. changed address. YYYYMMDD format.
`wish_list`	Array	A list of items that the user has in any or all of their favorites lists.
`wish_list.item_reference`	String	Item ID.
`wish_list.unit_price`	Number	Item unit price.
`wish_list.product_name`	String	Item name.
`reputation`	Number	The reputation of the payer, from 0 (negative) to 5 (positive).

Example Payer object

"payer": {
            "email_is_valid": true,
            "phone_is_valid": false,
            "account_creation_date": "20201110",
            "first_purchase_date": "20201110",
            "is_positive": false,
            "last_order_id": "1525634152634",
            "total_order_count": 12,
            "total_order_amount": 152.03,
            "last_updated_date": "20201020",
            "wish_list": [
                {
                    "item_reference": "125312435",
                    "unit_price": 1300,
                    "product_name": "Pexel 25 for dummies"
                }
            ],
            "reputation": 5
        }

Discount Code List

The discount_codes list is a list of entries that represent the discount codes or promotions that are applied to this purchase.

Property	Type	Description
`amount`	Number	Product discount amount at the moment of the purchase.
`percentage`	Number	If a percentage discount is applied the percentage of the total order amount the discount applies to e.g. 20% off purchase. This field should be `NULL` if amount is provided.
`code`	String	The ID of the discount/code used.
`valid_until`	String	Promotion end date. In YYYYMMDD format.
`description`	String	A description of the discount.

Device

The Device object is used to store information on the device (i.e. laptop, smartphone) used to make the purchase.

Property	Type	Description
`user_agent`	String	Browser's User Agent property.
`geolocation`	String	User's geolocation.
`locale`	String	Browser's locale.
`advertising_id`	String	An advertising ID is a unique user ID assigned to a mobile device, or operating environment(apple: advertisingIdentifier, android: GSF Id).
`vendor_id`	String	For Apple, an alphanumeric string that uniquely identifies a device to the vendor (identifierForVendor).
`android_id`	String	For Android, 64-bit number (as a hex String) that the OS randomly generates when the user first sets up the device.
`media_drm_id`	String	For Android, the MediaDrm device unique ID.
`event_uuid`	String	dLocal Device ID - see dLocal Device ID integration below.

Example Device object

"device": {
            "user_agent": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/86.0.4240.198 Safari/537.36",
            "geolocation" : "-34.8798853,-56.1867859",
            "locale": "en-US",
            "advertising_id" : "EA7583CD-A667-48BC-B806-42ECB2B48606",
            "vendor_id": "uapff_93e9a58cc03a0e7f45c2cf50ca567a99",
            "android_id": "cdda802e-fb9c-47ad-9866-0794d394c913",
            "media_drm_id": "0102030405060708090a0b0c0d0e0f10"
        }

Purchase

The Purchase object is used to provide additional general information about the purchase.

Property	Type	Description
`is_retry`	Boolean	Indicates if the payment is a retry by the user of the same previously rejected purchase attempt.
`channel`	String	The channel or source where the order was placed. See the list.
`time_in_session`	String	The time in seconds that a user spent within the session in the website or app before making the purchase.
`search_history`	Array	The `search_history` list contains the list of products that the user visited within the session before making the purchase.
`search_history.item_reference`	String	The item ID.
`search_history.unit_price`	String	The item's unit price.
`search_history.product_name`	String	The item's product name.

Example Purchase object

        "purchase": {
            "is_retry": false,
            "channel": "WEB",
            "time_in_session": 55,
            "search_history": [
                {
                    "item_reference": "125312435",
                    "unit_price": 1300,
                    "product_name": "Pexel 25 for dummies"
                }
            ]
        }

Travel

Property	Type	Description
`car_rental`	Array	Used to store information of the car rental.
`car_rental.insurance_charges`	Number	Total fees charged for the car insurance.
`car_rental.pickup_city`	String	Name of the city.
`car_rental.pickup_country`	String	ISO-3166 2-letter country code.
`car_rental.pickup_date`	String	Date of pick up. In YYYYMMDD format.
`car_rental.rental_charges`	String	Total fees charged for the rental.
`car_rental.return_city`	String	Name of the city.
`car_rental.return_country`	String	ISO-3166 2-letter country code.
`car_rental.return_date`	String	Date of return. In YYYYMMDD format.
`flight.itinerary.legs.carrier_code`	String	IATA Carrier code (2 letters).
`flight.itinerary.legs.class_of_travel`	String	One letter travel class identificator (F/J/Y/W).
`flight.itinerary.legs.departure`	String	IATA Airport code of departure (3 letters).
`flight.itinerary.legs.departure_time`	String	Date and time of departure (GMT-0) in YYYY-MM-DD HH:mm:ss
`flight.itinerary.legs.destination`	String	IATA Airport code of arrival (3 letters).
`flight.passengers`	Array	Used to store information of the passenger(s).
`flight.passengers.date_of_birth`	String	Date of birth of passenger(s). In YYYYMMDD format.
`flight.passengers.ffp_ID`	String	Frequent Flyer program ID.
`flight.passengers.first_name`	String	First name of passenger(s).
`flight.passengers.last_name`	String	Last name of passenger(s).
`flight.passengers.nationality`	String	Nationality of passenger(s).
`lodging`	Array	Lodging information.
`lodging.amount`	Number	Total fees charged per reservation.
`lodging.check_in_date`	String	Date of check in. In YYYYMMDD format.
`lodging.check_out_date`	String	Date of check out. In YYYYMMDD format.
`lodging.city`	String	Name of city.
`lodging.country`	String	ISO-3166 2-letter country code.
`lodging.guests`	Number	Number of guests.
`lodging.prepaid_expenses`	Number	Prepaid expenses for the booking.
`lodging.rooms`	Number	Number of rooms.

Example Travel object

"travel": {
    "car_rental": [
        {
            "insurance_charges": 160.00,
            "pickup_city": "Montevideo",
            "pickup_country": "UY",
            "pickup_date": "2021-03-12",
            "rental_charges": 15.03,
            "return_city": "Buenos Aires",
            "return_country": "AR",
            "return_date": "20210320"
        }
    ],
    "flight": {
        "itinerary": {
            "legs": [
                {
                    "amount": 800.00,
                    "arrival": "MVD",
                    "arrival_time": "2021-04-29 07:16:24",
                    "carrier_code": "AR",
                    "class_of_travel": "F",
                    "departure": "EZE",
                    "departure_time": "2021-04-29 04:30:15",
                    "destination": "Montevideo"
                }
            ]
        },
        "passengers": [
            {
                "date_of_birth": "19890703",
                "ffp_ID": "ABC3454",
                "first_name": "John",
                "last_name": "Doe",
                "nationality": "BR"
            }
        ]
    },
    "lodging": [
        {
            "amount": 123,
            "check_in_date": "",
            "check_out_date": "",
            "city": "Montevideo",
            "country": "UY",
            "guests": 2,
            "prepaid_expenses": 0,
            "rooms": 1
        }
    ]
}

Ridesharing

Property	Type	Description
`additional_risk_data.driver.account_creation_date`	String	Date of driver account creation in YYYYMMDD format.
`additional_risk_data.driver.reputation`	Number	The reputation of the driver, from 0 (negative) to 5 (positive).
`additional_risk_data.driver.number_of_rides`	Number	Number of trips made by the driver.
`additional_risk_data.driver.name`	String	Driver name.
`additional_risk_data.driver.phone`	String	Driver phone.
`additional_risk_data.driver.document`	String	Driver document.
`additional_risk_data.driver.user_reference`	String	The ID/reference of the driver account.
`additional_risk_data.trip.pick_up_address`	Object	Pick up address.
`additional_risk_data.trip.pick_up_address.street`	String	Street
`additional_risk_data.trip.pick_up_address.number`	String	Number
`additional_risk_data.trip.pick_up_address.city`	String	City
`additional_risk_data.trip.pick_up_address.zip_code`	String	ZIP Code
`additional_risk_data.trip.pick_up_address.state`	String	State
`additional_risk_data.trip.pick_up_geo_loc`	String	Pick up geolocation.
`additional_risk_data.trip.drop_off_address`	Object	Drop off address.
`additional_risk_data.trip.drop_off_address.street`	String	Street
`additional_risk_data.trip.drop_off_address.number`	String	Number
`additional_risk_data.trip.drop_off_address.city`	String	City
`additional_risk_data.trip.drop_off_address.zip_code`	String	ZIP Code
`additional_risk_data.trip.drop_off_address.state`	String	State
`additional_risk_data.trip.pick_up_geo_loc`	String	Pick up geolocation.
`additional_risk_data.trip.drop_off_geo_loc`	String	Drop off geolocation.
`additional_risk_data.trip.estimated_time`	Number	Estimated travel time in minutes.
`additional_risk_data.trip.distance`	Number	Distance in km.
`additional_risk_data.rider.reputation`	Number	The reputation of the driver, from 0 (negative) to 5 ate(positive).

Example Ridesharing object

     
   "driver" : {
            "account_creation_date": "20201110",
            "reputation": 5,
            "number_of_rides":1050,
            "name":"John doe",
            "phone": "123456712345",
            "document": "53033315551",
            "user_reference":"12345"
        },
         "trip" : {
            "pick_up_address":{
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 501"
            },
            "pick_up_geo_loc": "-34.8798853,-56.1867859",
            "drop_off_address":{
                "state": "Montevideo",
                "city": "Montevideo",
                "zip_code": "11300",
                "street": "Avda. Brasil",
                "number": "1234 Ap. 501"
            },
            "drop_off_geo_loc": "-34.8798853,-56.1867859",
           	"estimated_time":25,
           	"distance":10
         },
  				 "rider" : {
						"reputation": 5  
        }
                    
        }
     }
  }

Appendix - Codes

Industry codes list

Code	Industry
1	Advertising
2	Antivirus
3	Delivery
4	Donations
5	Education
6	Gaming
7	Healthcare
8	Hosting
9	Investing / Financial services
10	IT Services
11	Marketplace
12	Money remittance
13	Payroll
14	Prepaid cards
15	PSP
16	Retail - Offline
17	Retail - Online
18	Ridesharing
19	SaaS
20	Social
21	Software / Apps
22	Streaming
23	Transport
24	Travel
25	Wallet
26	Dating
27	Crypto
999	Others

Shipping methods list

Code	Description
FREE	Free Shipping
PICKUP	Pickup in store
INTERNATIONAL	International
EXPRESS	Express
STANDARD	Standard

Purchase channel list

Code	Description
WEB	Users buy through the website.
PHONE	Orders made by phone calls.
MOBILE_APP	Users buy through a mobile application.
SOCIAL	Users buy through a social network platform (Facebook, Instagram).
MARKETPLACE	Users buy in an e-commerce store where products are sold by multiple sellers (Amazon).
IN_STORE	Orders purchased in a physical store.