This action is created specifically for the Bank of America integration and is used to enable real-time fraud detection during transaction processing. When invoked, Threat Matrix evaluates transaction attributes and behavioral signals to identify and mitigate potential risks before payment authorization occurs. It serves as a proactive fraud prevention mechanism that can flag suspicious activity, block high-risk transactions, or trigger additional verification steps. This action plays a critical role in meeting Bank of America’s fraud prevention policies and enhancing overall transaction security.

Threat Matrix is designed to integrate seamlessly into the broader decision-making pipeline and can operate alongside other validation and risk-scoring actions for high-assurance financial workflows.

Prerequisites

In order to use this action the merchant account must have a product of the following type enabled:

payments-creditcard-bankofamerica

Related Actions

This action pairs well with the following actions:

payment

Union (required)

This action lacks its own resolution mechanics and must rely on union resolution to complete its lifecycle.

Macro level details for how union attribute behaves can be found within the Union documentation.

Features (required)

Name	Type	Description	Rules
merchantId	string	(required) MID Examples: "xxxx".	MinLength: 1

Example

Below is an example payload for adding an Threat-matrix action to a business process or blueprint.

{
    "type": "threat-matrix",
    "union": 1,
    "features": {
        "merchantId": "xxx"
    }
}