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Transaction Screening

WickiePay includes built-in AML/OFAC transaction screening to ensure all payments comply with regulatory requirements.

How It Works​

Every transaction is automatically screened against sanctions lists and risk databases:

Transaction Created  →  Screening Engine  →  Result
                              ↓
                    PASS → Transaction proceeds
                    FLAG → Manual review required
                    BLOCK → Transaction rejected

Screening Checks​

CheckDescription
OFACU.S. Office of Foreign Assets Control sanctions list
EU SanctionsEuropean Union consolidated sanctions list
UN SanctionsUnited Nations Security Council sanctions
PEP ScreeningPolitically Exposed Persons database
Adverse MediaNegative news and media screening
Blockchain AnalyticsOn-chain risk scoring (mixer detection, darknet, etc.)

Screening Results​

Via API​

GET /api/v1/screening?transactionId=tx-uuid

Response:

{
  "transactionId": "tx-uuid",
  "status": "PASS",
  "checks": [
    { "type": "OFAC", "result": "CLEAR", "score": 0 },
    { "type": "BLOCKCHAIN_ANALYTICS", "result": "CLEAR", "score": 12 }
  ],
  "timestamp": "2026-01-15T10:25:00Z"
}

Screening Statuses​

StatusAction
PASSTransaction proceeds automatically
FLAGRequires manual review in WickiePay Backoffice
BLOCKTransaction automatically rejected

Manual Review​

Flagged transactions appear in the WickiePay Compliance Backoffice for manual review:

# Approve a flagged transfer
POST /api/v1/screening/{id}/approve

# Reject a flagged transfer
POST /api/v1/screening/{id}/reject

# Bypass screening (requires compliance role)
POST /api/v1/screening/{id}/bypass

Configuration​

Screening thresholds and rules are configurable per merchant in the WickiePay Backoffice:

  • Risk Score Threshold — Score above which transactions are flagged
  • Auto-Block Rules — Conditions for automatic rejection
  • Whitelist — Known trusted addresses that bypass screening

Next Steps​