# API Reference
source: https://developer.mastercard.com/match/documentation/api-reference/index.md

Note: MATCH Pro API users should migrate to **apiedge.mastercard.com** and discontinue use of api.mastercard.com. The api.mastercard.com domain will be decommissioned for sandbox, MTF, and production environments to meet updated security standards. Users should validate changes in lower environments before moving to production to avoid errors. **Legacy MATCH API users are not impacted**. Existing legacy integrations will continue to work without changes to the domain. Note: To be notified of any planned maintenance outages, each MATCH Pro user needs to ensure:  

* Each authorized user should update their contact information on regular basis, including email, on **My Company Manager** . All communication regarding planned outages and retroactive notifications are sent to the email address associated with the MATCH Pro contact in **My Company Manager** .  
* Refer to the MATCH Pro User Manual for more information.

## Environment Domains {#environment-domains}

* Sandbox
* MTF
* Production

```Sandbox
https://sandbox.apiedge.mastercard.com/mcp/match/api
```

```MTF
https://apiedge.mastercard.com/mtf/mcp/match/api
```

```Production
https://apiedge.mastercard.com/mcp/match/api
```

## APIs {#apis}


API Specification: `https://static.developer.mastercard.com/content/match/swagger/match-pro.yaml`

The [error](https://developer.mastercard.com/match/documentation/code-and-formats/index.md) page provides description for issues that you may come across after integrating with MATCH Pro APIs.

For specification change logs, refer to the [release history.](https://developer.mastercard.com/match/documentation/support/index.md#release-history)

## Sandbox Data {#sandbox-data}

The Developer Portal sandbox is a self-contained area of the Mastercard API platform that provides a simulated experience that mimics MATCH Pro API production environment. This allows Authorized users to test various scenarios prior to their MATCH Pro API project going live.

* The MATCH Pro sandbox is public; any Authorized user can access the testing environment without Mastercard's approval using the Quick Start Guide on Mastercard Developers.
* The testing environment is dynamic; Authorized users can add any record to the sandbox to test specific scenarios in the API.
* The MATCH Pro Sandbox has the same resources that are available in production but contains fictitious data.
* Only one acquirer ICA (1996) is used in the sandbox for testing.
* API testing can be completed independently based on each Authorized user's test cases.
* To begin sandbox testing, please see the API Tutorial on [Mastercard Developers](https://developer.mastercard.com/).

**For any questions during testing, please contact [apisupport@mastercard.com](mailto:apisupport@mastercard.com).**

## MTF Environment {#mtf-environment}

### New Merchant Insights Test Case Scenarios {#new-merchant-insights-test-case-scenarios}

The MATCH Pro Mastercard Test Facility (MTF) environment includes predefined New Merchant Insights test scenarios that help customers test their integration, validate response handling, and understand how New Merchant Insights scores and signals are returned in a controlled test environment.

Use the 9 scenarios below to validate your New Merchant Insights integration. For each scenario, submit the exact test case index value listed. When creating a new inquiry, enter the merchant name and test case index together in the Merchant Name field. For example, enter Sweets Shoppe TC000 to return the predefined response for TC000. In addition to the Merchant Name field, all required fields must be provided for each test case before submission. The returned results are based on the selected test case index rather than the values entered in the request. Any applicable production warnings may also be included in the response.

When the request matches a predefined scenario, New Merchant Insights will return the corresponding response shown. If a Test Case Index is not provided, the default response for TC000 will be returned.

### Response JSON Examples {#response-json-examples}

#### TC000 (Example: Sweets Shoppe TC000 ) {#tc000-example-sweets-shoppe-tc000-}

A low-risk merchant where the entity has been seen on the proprietary Mastercard network, but the merchant has not. The digital presence assessment is completed when a URL is provided in the inquiry. This response indicates that an online presence was found.

```json
{
  "merchantProfileRefId": "MPRID-4564742-01ARZ3NDEKTSV4RRFFQ69G5FBW",
  "merchantRiskScore": {
    "score": 0.351,
    "reasonCode": "LF, LE, LI",
    "reasonDescription": "LF - Low Inquiry Attribute Consistency Risk, LE - Low Inquiry Attribute Completeness Risk, LI - Low Inquiry Attribute Volatility Risk",
    "riskClass": "LOW"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": null,
      "sameMerchantLocationPrincipalLocation": null,
      "uniqueAcquirersPerMerchantAddress": 0,
      "numPerPrincipal": 0,
      "numPerMerchantPrincipalPair": 1,
      "numPerMerchantPhone": null,
      "numPerMerchantAddress": 0,
      "uniqueMerchantPhonePerMerchantAddress": null,
      "uniqueMerchantAddressPerMerchantPhone": 0,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 0
    },
    "networkInsights": {
      "hasEntityMatch": true,
      "entityFirstSeenDays": 197,
      "entityLastSeenDays": 3,
      "entityMCCCount": 1,
      "entityMerchantCount": 1,
      "hasMerchantMatch": false,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": true,
      "socialMediaEngagement": "low",
      "negativeReviewPresence": "low",
      "hasFootTraffic": false
    },
    "domainInsights": {
      "numAssociatedRedirects": 0,
      "daysSinceRegistration": 71,
      "hasHijackingProtection": false,
      "isResolvable": true
    },
    "websiteInsights": {
      "hasMaliciousActivity": false,
      "hasReplicatedContent": false,
      "numIPs": 2,
      "hasMinimalContent": false,
      "hasStrongEncryption": true,
      "redirectsToExternalSite": false,
      "refundsProhibited": false
    }
  },
  "assessmentTimestamp": "2026-07-09T12:15:56Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": []
}
```

#### TC001 {#tc001}

A high-risk merchant with no prior Mastercard network history. The risk is driven by digital presence signals, including a medium level of negative reviews and a website that does not use strong encryption.

```json
{
  "merchantProfileRefId": "MPRID-54536334-013NDV4QAVZKTS5FBWE69GRRFS",
  "merchantRiskScore": {
    "score": 0.701,
    "reasonCode": "HJ, HK, HM",
    "reasonDescription": "HJ - High Reputational Risk, HK - High Website Security Risk, HM - High Business Data Risk",
    "riskClass": "HIGH"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": true,
      "sameMerchantLocationPrincipalLocation": 0.75,
      "uniqueAcquirersPerMerchantAddress": 0,
      "numPerPrincipal": 0,
      "numPerMerchantPrincipalPair": 0,
      "numPerMerchantPhone": 0,
      "numPerMerchantAddress": 0,
      "uniqueMerchantPhonePerMerchantAddress": 0,
      "uniqueMerchantAddressPerMerchantPhone": 0,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 0
    },
    "networkInsights": {
      "hasEntityMatch": false,
      "entityFirstSeenDays": null,
      "entityLastSeenDays": null,
      "entityMCCCount": null,
      "entityMerchantCount": null,
      "hasMerchantMatch": false,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": false,
      "socialMediaEngagement": null,
      "negativeReviewPresence": "medium",
      "hasFootTraffic": false
    },
    "domainInsights": {
      "numAssociatedRedirects": 0,
      "daysSinceRegistration": 137,
      "hasHijackingProtection": false,
      "isResolvable": true
    },
    "websiteInsights": {
      "hasMaliciousActivity": false,
      "hasReplicatedContent": false,
      "numIPs": 2,
      "hasMinimalContent": false,
      "hasStrongEncryption": false,
      "redirectsToExternalSite": true,
      "refundsProhibited": true
    }
  },
  "assessmentTimestamp": "2026-12-21T15:05:07Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": []
}
```

#### TC002 {#tc002}

A high-risk merchant where the entity has previously appeared on the Mastercard network, but the merchant was not found. Inquiry Insights contain high-velocity and high-volatility patterns, along with several risky digital presence signals.

```json
{
  "merchantProfileRefId": "MPRID-4564742-01ARZ3NDEKTSV4RRFFQ69G5FBW",
  "merchantRiskScore": {
    "score": 0.705,
    "reasonCode": "HH, HI, HE",
    "reasonDescription": "HH - High Inquiry Attribute Velocity Risk, HI - High Inquiry Attribute Volatility Risk, HE - High Inquiry Attribute Completeness Risk",
    "riskClass": "HIGH"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": true,
      "sameMerchantLocationPrincipalLocation": 0.75,
      "uniqueAcquirersPerMerchantAddress": 1,
      "numPerPrincipal": 6,
      "numPerMerchantPrincipalPair": 11,
      "numPerMerchantPhone": 10,
      "numPerMerchantAddress": 1,
      "uniqueMerchantPhonePerMerchantAddress": 2,
      "uniqueMerchantAddressPerMerchantPhone": 1,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 1
    },
    "networkInsights": {
      "hasEntityMatch": true,
      "entityFirstSeenDays": 97,
      "entityLastSeenDays": 43,
      "entityMCCCount": 4,
      "entityMerchantCount": 6,
      "hasMerchantMatch": false,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": true,
      "socialMediaEngagement": "medium",
      "negativeReviewPresence": "high",
      "hasFootTraffic": false
    },
    "domainInsights": {
      "numAssociatedRedirects": 0,
      "daysSinceRegistration": 360,
      "hasHijackingProtection": true,
      "isResolvable": true
    },
    "websiteInsights": {
      "hasMaliciousActivity": false,
      "hasReplicatedContent": false,
      "numIPs": 1,
      "hasMinimalContent": false,
      "hasStrongEncryption": true,
      "redirectsToExternalSite": false,
      "refundsProhibited": true
    }
  },
  "assessmentTimestamp": "2026-02-23T21:04:34Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": []
}
```

#### TC003 {#tc003}

A low-risk merchant with both an entity match and a direct merchant match found in Mastercard's proprietary network. The response includes merchant signals, such as chargeback and authorization rates, and a digital presence assessment when a URL is provided in the inquiry.

```json
{
  "merchantProfileRefId": "MPRID-53637-02KTSV4R01ARNDETSV4RRFF9GE",
  "merchantRiskScore": {
    "score": 0.375,
    "reasonCode": "LE, LI, LH",
    "reasonDescription": "LE - Low Inquiry Attribute Completeness Risk, LI - Low Inquiry Attribute Volatility Risk, LH - Low Inquiry Attribute Velocity Risk",
    "riskClass": "LOW"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": null,
      "sameMerchantLocationPrincipalLocation": null,
      "uniqueAcquirersPerMerchantAddress": 0,
      "numPerPrincipal": 0,
      "numPerMerchantPrincipalPair": 0,
      "numPerMerchantPhone": null,
      "numPerMerchantAddress": 0,
      "uniqueMerchantPhonePerMerchantAddress": null,
      "uniqueMerchantAddressPerMerchantPhone": 0,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 0
    },
    "networkInsights": {
      "hasEntityMatch": true,
      "entityFirstSeenDays": 234,
      "entityLastSeenDays": 1,
      "entityMCCCount": 1,
      "entityMerchantCount": 1,
      "hasMerchantMatch": true,
      "merchantChargebackRate": 0.00002,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": 0.99998,
      "merchantFirstSeenDays": 200,
      "merchantLastSeenDays": 1,
      "merchantNumPastAcquirers": 1
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": true,
      "socialMediaEngagement": "low",
      "negativeReviewPresence": "medium",
      "hasFootTraffic": false
    },
    "domainInsights": {
      "numAssociatedRedirects": 0,
      "daysSinceRegistration": 5414,
      "hasHijackingProtection": true,
      "isResolvable": true
    },
    "websiteInsights": {
      "hasMaliciousActivity": false,
      "hasReplicatedContent": false,
      "numIPs": 1,
      "hasMinimalContent": true,
      "hasStrongEncryption": true,
      "redirectsToExternalSite": false,
      "refundsProhibited": false
    }
  },
  "assessmentTimestamp": "2026-04-18T04:07:47Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": []
}
```

#### TC004 {#tc004}

A medium-risk merchant with no prior Mastercard network history. Mixed digital presence signals elevate the merchant's risk above low risk.

```json
{
  "merchantProfileRefId": "MPRID-4564742-01ARZ3NDEKTSV4RRFFQ69G5FBW",
  "merchantRiskScore": {
    "score": 0.65,
    "reasonCode": "MJ, MP, MK",
    "reasonDescription": "MJ - Medium Reputational Risk, MP - Medium Domain Risk, MK - Medium Website Security Risk",
    "riskClass": "MEDIUM"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": true,
      "sameMerchantLocationPrincipalLocation": 1,
      "uniqueAcquirersPerMerchantAddress": 0,
      "numPerPrincipal": null,
      "numPerMerchantPrincipalPair": null,
      "numPerMerchantPhone": 0,
      "numPerMerchantAddress": 0,
      "uniqueMerchantPhonePerMerchantAddress": 0,
      "uniqueMerchantAddressPerMerchantPhone": null,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 0
    },
    "networkInsights": {
      "hasEntityMatch": false,
      "entityFirstSeenDays": null,
      "entityLastSeenDays": null,
      "entityMCCCount": null,
      "entityMerchantCount": null,
      "hasMerchantMatch": false,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": true,
      "socialMediaEngagement": "low",
      "negativeReviewPresence": "high",
      "hasFootTraffic": false
    },
    "domainInsights": {
      "numAssociatedRedirects": 0,
      "daysSinceRegistration": 579,
      "hasHijackingProtection": true,
      "isResolvable": true
    },
    "websiteInsights": {
      "hasMaliciousActivity": false,
      "hasReplicatedContent": false,
      "numIPs": 1,
      "hasMinimalContent": false,
      "hasStrongEncryption": false,
      "redirectsToExternalSite": true,
      "refundsProhibited": false
    }
  },
  "assessmentTimestamp": "2026-01-05T16:44:10Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": []
}
```

#### TC005 {#tc005}

A low-risk merchant that is new to the Mastercard network, with neither an entity match nor a merchant match found. Although some digital presence signals may be mixed, the overall assessment indicates a low risk.

```json
{
  "merchantProfileRefId": "MPRID-53637-02KTSV4R01ARNDETSV4RRFF9GE",
  "merchantRiskScore": {
    "score": 0.271,
    "reasonCode": "LF, LE, LH",
    "reasonDescription": "LF - Low Inquiry Attribute Consistency Risk, LE - Low Inquiry Attribute Completeness Risk, LH - Low Inquiry Attribute Velocity Risk",
    "riskClass": "LOW"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": true,
      "sameMerchantLocationPrincipalLocation": null,
      "uniqueAcquirersPerMerchantAddress": 0,
      "numPerPrincipal": null,
      "numPerMerchantPrincipalPair": null,
      "numPerMerchantPhone": 0,
      "numPerMerchantAddress": 0,
      "uniqueMerchantPhonePerMerchantAddress": 0,
      "uniqueMerchantAddressPerMerchantPhone": null,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 0
    },
    "networkInsights": {
      "hasEntityMatch": false,
      "entityFirstSeenDays": null,
      "entityLastSeenDays": null,
      "entityMCCCount": null,
      "entityMerchantCount": null,
      "hasMerchantMatch": false,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": true,
      "socialMediaEngagement": "medium",
      "negativeReviewPresence": "low",
      "hasFootTraffic": false
    },
    "domainInsights": {
      "numAssociatedRedirects": 0,
      "daysSinceRegistration": 181,
      "hasHijackingProtection": false,
      "isResolvable": true
    },
    "websiteInsights": {
      "hasMaliciousActivity": true,
      "hasReplicatedContent": false,
      "numIPs": 1,
      "hasMinimalContent": true,
      "hasStrongEncryption": true,
      "redirectsToExternalSite": false,
      "refundsProhibited": false
    }
  },
  "assessmentTimestamp": "2026-11-01T15:54:19Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": []
}
```

#### TC006 {#tc006}

A low-risk merchant where certain information could not be generated. The response includes warning messages indicating that a Merchant Profile Reference ID could not be assigned and that a digital presence assessment is unavailable.

```json
{
  "merchantProfileRefId": null,
  "merchantRiskScore": {
    "score": 0.324,
    "reasonCode": "LE, LI, LF",
    "reasonDescription": "LE - Low Inquiry Attribute Completeness Risk, LI - Low Inquiry Attribute Volatility Risk, LF - Low Inquiry Attribute Consistency Risk",
    "riskClass": "LOW"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": true,
      "sameMerchantLocationPrincipalLocation": 0.75,
      "uniqueAcquirersPerMerchantAddress": 0,
      "numPerPrincipal": 0,
      "numPerMerchantPrincipalPair": 24,
      "numPerMerchantPhone": 0,
      "numPerMerchantAddress": 0,
      "uniqueMerchantPhonePerMerchantAddress": 0,
      "uniqueMerchantAddressPerMerchantPhone": 0,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 0
    },
    "networkInsights": {
      "hasEntityMatch": false,
      "entityFirstSeenDays": null,
      "entityLastSeenDays": null,
      "entityMCCCount": null,
      "entityMerchantCount": null,
      "hasMerchantMatch": false,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": null,
      "socialMediaEngagement": null,
      "negativeReviewPresence": null,
      "hasFootTraffic": null
    },
    "domainInsights": {
      "numAssociatedRedirects": null,
      "daysSinceRegistration": null,
      "hasHijackingProtection": null,
      "isResolvable": null
    },
    "websiteInsights": {
      "hasMaliciousActivity": null,
      "hasReplicatedContent": null,
      "numIPs": null,
      "hasMinimalContent": null,
      "hasStrongEncryption": null,
      "redirectsToExternalSite": null,
      "refundsProhibited": null
    }
  },
  "assessmentTimestamp": "2026-04-23T17:56:40Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": [
    {
      "code": "PARTIAL_DIGITAL_PRESENCE_ASSESSMENT",
      "detail": "Unable to generate complete digitalPresenceAssessment results, partial results returned."
    },
    {
      "code": "FAILED_MPRID_GENERATION",
      "detail": "Merchant Profile RefId could not be assigned."
    }
  ]
}
```

#### TC007 {#tc007}

A high-risk merchant where a digital presence assessment is unavailable because no URL was provided in the inquiry. The response includes a warning indicating that no digital presence assessment is available. The risk is driven primarily by network assessment signals.

```json
{
  "merchantProfileRefId": "MPRID-4564742-01ARZ3NDEKTSV4RRFFQ69G5FBW",
  "merchantRiskScore": {
    "score": 0.726,
    "reasonCode": "HI, HF, HH",
    "reasonDescription": "HI - High Inquiry Attribute Volatility Risk, HF - High Inquiry Attribute Consistency Risk, HH - High Inquiry Attribute Velocity Risk",
    "riskClass": "HIGH"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": true,
      "sameMerchantLocationPrincipalLocation": 0,
      "uniqueAcquirersPerMerchantAddress": 0,
      "numPerPrincipal": 3,
      "numPerMerchantPrincipalPair": 5,
      "numPerMerchantPhone": 4,
      "numPerMerchantAddress": 0,
      "uniqueMerchantPhonePerMerchantAddress": 2,
      "uniqueMerchantAddressPerMerchantPhone": 0,
      "uniqueMerchantPhonePerMerchantPrincipalPair": 0
    },
    "networkInsights": {
      "hasEntityMatch": false,
      "entityFirstSeenDays": null,
      "entityLastSeenDays": null,
      "entityMCCCount": null,
      "entityMerchantCount": null,
      "hasMerchantMatch": false,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": null,
      "socialMediaEngagement": null,
      "negativeReviewPresence": null,
      "hasFootTraffic": null
    },
    "domainInsights": {
      "numAssociatedRedirects": null,
      "daysSinceRegistration": null,
      "hasHijackingProtection": null,
      "isResolvable": null
    },
    "websiteInsights": {
      "hasMaliciousActivity": null,
      "hasReplicatedContent": null,
      "numIPs": null,
      "hasMinimalContent": null,
      "hasStrongEncryption": null,
      "redirectsToExternalSite": null,
      "refundsProhibited": null
    }
  },
  "assessmentTimestamp": "2026-09-17T14:01:54Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": [
    {
      "code": "PARTIAL_DIGITAL_PRESENCE_ASSESSMENT",
      "detail": "Unable to generate complete digitalPresenceAssessment results, partial results returned."
    }
  ]
}
```

#### TC008 {#tc008}

A low-risk merchant where a network assessment is unavailable. The assessment is based primarily on digital presence signals. The response includes warnings indicating the absence of network assessment signals.

```json
{
  "merchantProfileRefId": "MPRID-4564742-01ARZ3NDEKTSV4RRFFQ69G5FBW",
  "merchantRiskScore": {
    "score": 0.49,
    "reasonCode": "LP",
    "reasonDescription": "LP - Low Domain Risk",
    "riskClass": "LOW"
  },
  "networkAssessment": {
    "inquiryInsights": {
      "isValidMerchantPhone": null,
      "sameMerchantLocationPrincipalLocation": null,
      "uniqueAcquirersPerMerchantAddress": null,
      "numPerPrincipal": null,
      "numPerMerchantPrincipalPair": null,
      "numPerMerchantPhone": null,
      "numPerMerchantAddress": null,
      "uniqueMerchantPhonePerMerchantAddress": null,
      "uniqueMerchantAddressPerMerchantPhone": null,
      "uniqueMerchantPhonePerMerchantPrincipalPair": null
    },
    "networkInsights": {
      "hasEntityMatch": null,
      "entityFirstSeenDays": null,
      "entityLastSeenDays": null,
      "entityMCCCount": null,
      "entityMerchantCount": null,
      "hasMerchantMatch": null,
      "merchantChargebackRate": null,
      "merchantRefundRate": null,
      "merchantAuthorizationRate": null,
      "merchantFirstSeenDays": null,
      "merchantLastSeenDays": null,
      "merchantNumPastAcquirers": null
    }
  },
  "digitalPresenceAssessment": {
    "businessInsights": {
      "hasSocialMedia": true,
      "socialMediaEngagement": "high",
      "negativeReviewPresence": "low",
      "hasFootTraffic": false
    },
    "domainInsights": {
      "numAssociatedRedirects": 0,
      "daysSinceRegistration": 99,
      "hasHijackingProtection": false,
      "isResolvable": true
    },
    "websiteInsights": {
      "hasMaliciousActivity": true,
      "hasReplicatedContent": false,
      "numIPs": 2,
      "hasMinimalContent": false,
      "hasStrongEncryption": true,
      "redirectsToExternalSite": false,
      "refundsProhibited": false
    }
  },
  "assessmentTimestamp": "2026-08-27T23:10:19Z",
  "assessmentStatus": "COMPLETED",
  "insightId": "value-programitically-set",
  "inquiryRefNumber": "value-programitically-set",
  "warnings": [
    {
      "code": "PARTIAL_INQUIRY_INSIGHTS",
      "detail": "Unable to generate complete inquiryInsight results, partial results returned."
    },
    {
      "code": "PARTIAL_NETWORK_INSIGHTS",
      "detail": "Unable to generate networkInsights features."
    }
  ]
}
```