Risk Events

The following are events triggered by real-time fraud detection and risk-mitigation activities within the Payment Risk Platform (PRP). These are sent to you in the Authorization Events Webhook which is part of the Events API.

Event wrapper

Each event is enclosed in this wrapper:

{
 "detail": {
  "data": {
   "<event_name>": {<event_body>}
   }
  },
  "metadata": {
   "detail_id": "<UUID>",
   "detail_timestamp": "<YYYY-MM-DDThh:mm:ss.ssssss>",
  }
 }
}

Where:

<event_name> — Name of the event, including version number at the end.
<event_body> — Fields in the event, as documented in the tables below.
<UUID> — Unique identifier for the detail contents, meaning the unique ID for the event message.
<YYYY-MM-DDThh:mm:ss.ssssss> — Timestamp for when the event was generated and sent.

prp_sms_suspicious_txn_alert.v1

A cardholder responded to an SMS fraud alert triggered by the PRP. This event delivers the direct feedback from the cardholder, which you can use to disposition a risky transaction. You must be subscribed to PRP to receive this event. There is currently one supported version for this event.

This event is triggered any time Galileo receives a valid SMS response from a cardholder regarding a suspicious transaction. Based on the response in the msg_body field, you can call the Program API to take action, such as freezing or unfreezing a card.

Code — n/a
Event trigger — Galileo receives a valid SMS response from a cardholder regarding a suspicious transaction.
Processes — These processes contain the event trigger:
- Two-Way Messaging Service for PRP

Event body

Example payload

{
  "detail": {
    "data": {
      "prp_sms_suspicious_txn_alert.v1": {
        "prn": "999101003022",
        "cad": "72450868",
        "mobile_phone": "1256127234",
        "risk_event_type": "prp_sms_suspicious_txn_alert",
        "auth_uid": "DHWJtI8zRjuDcgF8hru3oQ",
        "auth_ts": "20250315:121504MST",
        "auth_id": 141234123,
        "merchant_description": "123 WIDGETS MERCHANT BEVERLY HILLS CA",
        "merchant_city": "Salt Lake City",
        "merchant_state": "UT",
        "merchant_country": "840",
        "merchant_postal_code": "91356",
        "amount": 75.00,
        "sender_phone": "(512) 555-0123",
        "msg_body": "Yes",
        "customer_opt_out": false
      }
    },
    "metadata": {
      "detail_id": "550e8400-e29b-41d4-a716-446655440000",
      "detail_timestamp": "2026-11-05T14:30:00.324444"
    }
  }
}