---
title: "Monitor card payments (Acquiring)"
slug: "monitor-card-payments-acquiring"
updated: 2026-02-13T15:00:40Z
published: 2026-02-13T15:00:40Z
canonical: "docs.hawk.ai/monitor-card-payments-acquiring"
---

> ## Documentation Index
> Fetch the complete documentation index at: https://docs.hawk.ai/llms.txt
> Use this file to discover all available pages before exploring further.

# Monitor card payments (Acquiring)

Submits a card-payment event from an acquiring flow for AML/screening. In acquiring, the merchant is your Customer (account holder) and the cardholder is the Counterparty.

> [!NOTE]
> Do not send card details that is protected by [PCI-DSS](https://en.wikipedia.org/wiki/Payment_Card_Industry_Data_Security_Standard). Use BIN, last-4 digits, expiry (YYYYMM), and holder name. This is typically sufficient for monitoring without expanding PCI DSS scope.

#### Minimal request example

```json
{
   "tenantTransactionId":"c45d18a6-2384-49aa-98ab-60134a50a5d7",
   "tenantProcessingTimestamp":"2020-06-05T16:20:01.618Z",
   "initiatingParty":"FUNDS_ORIGINATOR",
   "accountHoldingParty":"FUNDS_BENEFICIARY",
   "fundsOriginator":{
      "accountId":"8713672ec1687d0dbbe462e04125b513",
      "last4Digits":"2253",
      "bankIdentifier":"542810",
      "expiry":"202812",
      "scheme":"MASTER",
      "bankCountry":"BR"
   },
   "fundsBeneficiary":{
      "accountId":"421083",
      "holder":"Limo Rental",
      "bankCountry":"DE",
      "scheme":"CARD_MERCHANTACCOUNT"
   },
   "initiatedAmount":400.00,
   "initiatedCurrency":"USD",
   "settledAmount":328.13,
   "settledCurrency":"EUR",
   "usage":"Rental #2345763",
   "paymentType":"AUTHORIZATION_CAPTURE",
   "transactionResult":"ACCEPTED",
   "channel":"ECOMMERCE",
   "masterData":{
      "accountHoldingPartyData":{
         "riskLevel":"high",
         "companyDetails":{
            "businessPurposes":[
               "7512"
            ],
            "organizationType": "FOR_PROFIT",
            "inBusinessSince": "2019-06-05"
         },
         "contactDetails":{
            "country":"DE",
            "street":"Hannes Friedrichstr. 27",
            "town":"Munich",
            "zip":"82101"
         },
		 "characteristics": {
			"customerSince": "2020-01-15",
			"expectedTicketSizeAverage": 600,
			"expectedIncomeMonthly": 80000
		 }
      }
   }
}
```

> [!NOTE]
> [**Try it out here**](https://s3.eu-central-1.amazonaws.com/demotool.dev.hawk.ai/documentation_scenarios.html#Use+Case:+Monitor+Card+Payments)

#### Field references

| Field | Description |
| --- | --- |
| `tenantTransactionId` | Your unique transaction ID (traceability/idempotency). |
| `tenantProcessingTimestamp` | UTC timestamp when you processed the transaction (ISO-8601). |
| `initiatingParty` | Party that initiated the transaction (here: the cardholder = `FUNDS_ORIGINATOR`). |
| `accountHoldingParty` | Your customer in this flow (here: the merchant = `FUNDS_BENEFICIARY`). |
| `fundsOriginator` | Cardholder (payer) details object. |
| `fundsBeneficiary` | Merchant (payee) details object. |
| `initiatedAmount` | Amount as initiated at authorization. |
| `initiatedCurrency` | Initiated currency (ISO-4217 alpha-3). |
| `settledAmount` | Amount expected/posted at settlement (0 for declines/only-auth). |
| `settledCurrency` | Settlement currency (ISO-4217 alpha-3). |
| `usage` | Payment descriptor/reference (e.g., receipt, order number). |
| `paymentType` | Payment stage/type (e.g., `AUTHORIZATION_CAPTURE`, `AUTHORIZATION`, `CAPTURE`, `REFUND`, `CHARGEBACK`, `REVERSAL`, `ACCOUNT_VERIFICATION`, …). |
| `transactionResult` | Result code (e.g., `ACCEPTED`; for declines you may send `FRAUD_SUSPICION`, `CARD_STOLEN`, `CARD_LOST`, `INSUFFICIENT_FUNDS`, `INVALID_CVV`, …). |
| `channel` | Where/how it occurred (e.g., `ECOMMERCE`, `POS`, `MOTO`, `BACKOFFICE`). |
| `masterData` | Container for merchant master/customer data. |

#### `fundsOriginator` (cardholder)

| Field | Description |
| --- | --- |
| `accountId` | Card token/UUID or similar pseudonymous identifier. |
| `last4Digits` | Last four digits of the card PAN. |
| `bankIdentifier` | Card **BIN** (first 6 digits). |
| `expiry` | Card expiry in `YYYYMM`. |
| `scheme` | Card scheme (e.g., `MASTER`, `VISA`, `AMEX`, `DISCOVER`, `MAESTRO`, `JCB`, `UNIONPAY`). |
| `bankCountry` | Issuing country (ISO country code). |

#### `fundsBeneficiary` (merchant)

| Field | Description |
| --- | --- |
| `accountId` | Merchant ID / merchant account identifier. |
| `holder` | Merchant legal/trading name. |
| `bankCountry` | Merchant account country (typically the acquirer/processor country). |
| `scheme` | Always `CARD_MERCHANTACCOUNT` for merchant accounts. |

#### `masterData.accountHoldingPartyData`

| Field | Description |
| --- | --- |
| `riskLevel` | Merchant risk level from acquirer/processor (e.g., low/medium/high). |
| `companyDetails` | Company-level metadata about the merchant. |
| `contactDetails` | Registered contact/location info. |
| `characteristics` | Operational/expected behavior metrics. |

#### `companyDetails`

| Field | Description |
| --- | --- |
| `businessPurposes` | MCC(s) or equivalent merchant classification list (e.g., `["7512"]`). |
| `organizationType` | Organization type (e.g., `FOR_PROFIT`). |
| `inBusinessSince` | Business start date (ISO-8601). |

#### `contactDetails`

| Field | Description |
| --- | --- |
| `country` | Merchant country (ISO code). |
| `street` | Street address. |
| `town` | City/Town. |
| `zip` | Postal/ZIP code. |

#### `characteristics`

| Field | Description |
| --- | --- |
| `customerSince` | Since when the merchant is your customer. |
| `expectedTicketSizeAverage` | Expected average ticket size (merchant base currency). |
| `expectedIncomeMonthly` | Expected monthly volume (merchant base currency). |

  

The end-customer of your organization (ie: the account holder in your bank), also known as the Account Holding Party

The party in a transaction that is transacting with your customer/account holder