---
title: "Monitor card payments (Issuing)"
slug: "monitor-card-payments-issuing"
updated: 2026-10-29T17:01:37Z
published: 2026-10-29T17:01:37Z
canonical: "docs.hawk.ai/monitor-card-payments-issuing"
---

> ## 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 (Issuing)

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

```plaintext
{
   "tenantTransactionId":"c45d18a6-2384-49aa-98ab-60134a50a5d7",
   "tenantProcessingTimestamp":"2020-06-05T16:20:01.618Z",
   "initiatingParty":"FUNDS_ORIGINATOR",
   "accountHoldingParty":"FUNDS_ORIGINATOR",
   "fundsOriginator":{
      "accountId":"8713672ec1687d0dbbe462e04125b513",
      "last4Digits":"2253",
      "bankIdentifier":"542810",
      "expiry":"202812",
      "scheme":"MASTER",
      "bankCountry":"DE"
   },
   "fundsBeneficiary":{
      "accountId":"532213",
      "holder":"BGV Grocery",
      "bankCountry":"GB",
      "scheme":"CARD_MERCHANTACCOUNT"
   },
   "initiatedAmount":125.00,
   "initiatedCurrency":"GBP",
   "settledAmount":146.44,
   "settledCurrency":"EUR",
   "usage":"BGV Grocery 27 Mount Pleasant Reading RG1 2BP GBRGBR",
   "paymentType":"AUTHORIZATION_CAPTURE",
   "transactionResult":"ACCEPTED",
   "channel":"POS",
   "transactionProcessingDetails": {
      "entryMode": "ICC_CONTACTLESS",
      "networkResponseCode": "0"
   },
   "masterData":{
      "accountHoldingPartyData":{
        "riskLevel":"medium"
      },
      "counterpartyData": {
         "companyDetails":{
            "businessPurposes":[
               "5411"
            ],
            "businessDescription": "Grocery Stores and Supermarkets",
            "companyName": "BGV Grocery",
            "street": "27 Mount Pleasant",
            "town": "Reading",
            "zip": "RG1 2BP",
            "country": "GB"
         }
      }
   }
}
```

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

#### Field reference

| 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 (for card payments: cardholder = `FUNDS_ORIGINATOR`). |
| `accountHoldingParty` | Your customer in issuing (cardholder = `FUNDS_ORIGINATOR`). |
| `fundsOriginator` | Cardholder (payer) details object. |
| `fundsBeneficiary` | Merchant (payee) details object. |
| `initiatedAmount` | Amount at authorization. |
| `initiatedCurrency` | Authorization currency. |
| `settledAmount` | Amount posted/settled (may be `0` for declines/only-auth). |
| `settledCurrency` | Settlement currency. |
| `usage` | Descriptor/reference shown on statement (e.g., merchant/location text). |
| `paymentType` | Payment stage/type (e.g., authorization, capture, refund). |
| `transactionResult` | Result outcome (e.g., accepted/declined reason). |
| `channel` | Channel of interaction (e.g., `POS`, `ECOMMERCE`, `MOTO`, `BACKOFFICE`). |
| `transactionProcessingDetails` | Network/terminal details object. |
| `masterData` | Master/customer metadata for cardholder and merchant. |

#### `fundsOriginator` (cardholder)

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

#### `fundsBeneficiary` (merchant)

| Field | Description |
| --- | --- |
| `accountId` | Merchant ID / merchant account identifier. |
| `holder` | Merchant legal/trading name. |
| `bankCountry` | Merchant account country. |
| `scheme` | For merchants: `CARD_MERCHANTACCOUNT`. |

#### `transactionProcessingDetails`

| Field | Description |
| --- | --- |
| `entryMode` | POS/terminal entry mode (e.g., ICC_CONTACTLESS, MAGNETIC_STRIPE, ECOMMERCE). |
| `networkResponseCode` | Response code from the network/scheme (often ISO-8583 style). |

#### `masterData.accountHoldingPartyData`

| Field | Description |
| --- | --- |
| `riskLevel` | Cardholder risk level (e.g., low/medium/high). |

#### `masterData.counterpartyData.companyDetails` (merchant)

| Field | Description |
| --- | --- |
| `businessPurposes` | Merchant category classification (e.g., MCC list like `["5411"]`). |
| `businessDescription` | Description of merchant’s business. |
| `companyName` | Merchant company/trading name. |
| `street` | Merchant street address. |
| `town` | City/Town. |
| `zip` | Postal/ZIP code. |
| `country` | Country (ISO code). |

  

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