lomi. Radar

lomi. Radar evaluates incoming charges (card, MTN, Wave) before they complete. It is separate from Disputes (card chargebacks after the fact) and from platform payout controls described in Payouts.

Radar is opt-in per organization. Enable it with PATCH /organization/radar-settings (enabled: true). Default is off for existing merchants.

Enable Radar

curl -X PATCH "https://api.lomi.africa/organization/radar-settings" \
  -H "X-API-KEY: $LOMI_SECRET_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "enabled": true, "mode": "block" }'

Field	Values	Meaning
`enabled`	`true` / `false`	Turn screening on or off
`mode`	`monitor`	Flag risky charges but allow them
`mode`	`block`	Reject charges that trigger block rules
`stripe_radar_passthrough`	`true` (default)	Merge card-network risk signals after card capture

Built-in rules (v1)

Rule	Rails	Default action
`high_value_charge`	card, MTN, Wave	Flag ≥ 500,000 XOF
`velocity_charges_1h`	all	Block > 20 charges / customer / hour
`repeat_phone_24h`	MTN, Wave	Flag same phone across customers
`card_country_mismatch`	card	Flag billing country outside WAEMU

List risk assessments

curl "https://api.lomi.africa/risk-assessments?decision=flag&page=1&pageSize=50" \
  -H "X-API-KEY: $LOMI_SECRET_KEY"

Optional filters: decision (allow, flag, block), rail (card, mtn, wave), startDate, endDate.

Example row:

{
  "assessment_id": "…",
  "transaction_id": "…",
  "rail": "mtn",
  "decision": "flag",
  "risk_score": 45,
  "signals": [{ "rule": "repeat_phone_24h", "action": "flag", "detail": "…" }],
  "amount": 10000,
  "currency_code": "XOF"
}

Webhooks

Subscribe to:

PAYMENT_RISK_FLAGGED, charge allowed but flagged for review
PAYMENT_RISK_BLOCKED, charge blocked when mode is block

Payload includes assessment_id, transaction_id, rail, decision, risk_score, signals, amount, and currency_code.

Disputes vs Radar vs payout controls

	Disputes	Radar	Payout controls
Timing	After chargeback	Before/during charge	At withdrawal
API	`GET /disputes`	`GET /risk-assessments`	None (internal)
Dashboard	Settings → Support → Disputes	Transactions risk badge	Withdrawal error message

Metering

When Radar is enabled and a radar_screen meter is configured, each screening emits a usage event billed through Usage billing.