Credit Event

The credit event type is used for credit or top-up operations, such as adding funds to a wallet or prepaid account.

Category: Monetary Relevant feedback outcomes: success, fail, fraud, dispute, rejected, refund

note

Chargebacks are not a typical outcome for credit events.

Request Example

POST /api/v1/generic/validate HTTP/1.1
Host: api.sa.mubeen.ai
X-API-Key: <your_key>
Content-Type: application/json

{
  "event_type": "credit",
  "timestamp": "2025-03-15T16:20:00Z",
  "trx_id": "trx_f6a7b8c9d0e1",
  "attempt_id": "att_001",
  "order_id": "order_77654",
  "external_id": "topup_77654",
  "device_id": "fp_0123456789abcdef",
  "user_id": "usr_567890",
  "user_email": "[email protected]",
  "full_name": "Khalid Ibrahim",
  "phone_number": "+973556789012",
  "ip_address": "111.221.44.88",
  "ip_country": "BH",
  "user_agent": "Mozilla/5.0 (Linux; Android 13; Samsung Galaxy S23)",
  "payment_method": "ApplePay",
  "card_bin": "37612345",
  "card_last4": "0001",
  "card_expiry_month": 12,
  "card_expiry_year": 2030,
  "card_fingerprint": "e5f6a7b8c9d0e1f2a3b4c5d6e7f8a9b0",
  "card_brand": "amex",
  "card_issuing_bank": "Alinma Bank",
  "card_issuer_country": "BH",
  "transaction_amount": 50.00,
  "currency": "USD",
  "account_created_at": "2024-11-01T00:00:00Z",
  "product_ids_list": ["Steam Wallet"],
  "channel": "app",
  "platform": "android"
}

Response Example

{
  "request_id": "f6a7b8c9-d0e1-2345-f012-567890123def",
  "decision": "challenge",
  "risk_score": 55,
  "risk_level": "medium"
}

Feedback Examples

Successful Credit

{
  "request_id": "f6a7b8c9-d0e1-2345-f012-567890123def",
  "outcome": "success",
  "external_id": "topup_77654"
}

Rejected Credit (Suspected Card Testing)

{
  "request_id": "f6a7b8c9-d0e1-2345-f012-567890123def",
  "outcome": "rejected",
  "outcome_details": {
    "rejection_reason": "suspected_card_testing",
    "failed_attempts": 2
  },
  "external_id": "topup_77654"
}

Key Fields for Credit Events

Field	Importance	Notes
transaction_amount	Required	Top-up value
currency	Recommended	Currency code (ISO 4217, e.g., USD). Not enforced by the API. If omitted, the amount is treated as USD, so a non-USD amount is converted wrongly and USD-based rules and reporting will be off
payment_method	Recommended	Source of funds for the credit
product_ids_list	Optional	Target wallet or service being credited