curl --request POST \
  --url https://api.pramaan.dev/v1/capabilities/finance.payment-return-risk.evaluate \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'Idempotency-Key: <idempotency-key>' \
  --data '
{
  "ref": "ref_01ARZ3NDEKTSV4RRFFQ69G5FAV",
  "endUserRef": "user-1",
  "consent": true,
  "amount": {
    "amount": 10000,
    "currency": "USD"
  }
}
'

const options = {
  method: 'POST',
  headers: {
    'Idempotency-Key': '<idempotency-key>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    ref: 'ref_01ARZ3NDEKTSV4RRFFQ69G5FAV',
    endUserRef: 'user-1',
    consent: true,
    amount: {amount: 10000, currency: 'USD'}
  })
};

fetch('https://api.pramaan.dev/v1/capabilities/finance.payment-return-risk.evaluate', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.pramaan.dev/v1/capabilities/finance.payment-return-risk.evaluate"

payload = {
    "ref": "ref_01ARZ3NDEKTSV4RRFFQ69G5FAV",
    "endUserRef": "user-1",
    "consent": True,
    "amount": {
        "amount": 10000,
        "currency": "USD"
    }
}
headers = {
    "Idempotency-Key": "<idempotency-key>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

{
  "scale": {
    "min": 1,
    "max": 99,
    "direction": "higher-is-riskier"
  },
  "warnings": [
    "reconnect-required"
  ],
  "customerInitiatedReturnRisk": {
    "score": 50,
    "tier": 5
  },
  "bankInitiatedReturnRisk": {
    "score": 50,
    "tier": 5
  },
  "outcome": "accept",
  "attributes": {
    "unauthorizedTransactionsCount7d": 0,
    "unauthorizedTransactionsCount30d": 0,
    "unauthorizedTransactionsCount60d": 0,
    "unauthorizedTransactionsCount90d": 0,
    "nsfOverdraftTransactionsCount7d": 0,
    "nsfOverdraftTransactionsCount30d": 0,
    "nsfOverdraftTransactionsCount60d": 0,
    "nsfOverdraftTransactionsCount90d": 0,
    "daysSinceFirstConnection": 0,
    "connectionsCount7d": 0,
    "connectionsCount30d": 0,
    "totalConnectionsCount": 0,
    "isSavingsOrMoneyMarketAccount": true,
    "totalCreditTransactionsAmount10d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "totalDebitTransactionsAmount10d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p50CreditTransactionsAmount28d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p50DebitTransactionsAmount28d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p95CreditTransactionsAmount28d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p95DebitTransactionsAmount28d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "daysWithNegativeBalanceCount90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p90EodBalance30d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p90EodBalance60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p90EodBalance90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p10EodBalance30d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p10EodBalance60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p10EodBalance90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "availableBalance": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "currentBalance": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "phoneChangeCount28d": 0,
    "phoneChangeCount90d": 0,
    "emailChangeCount28d": 0,
    "emailChangeCount90d": 0,
    "addressChangeCount28d": 0,
    "addressChangeCount90d": 0,
    "nonOauthAuthenticationAttemptsCount3d": 0,
    "nonOauthAuthenticationAttemptsCount7d": 0,
    "nonOauthAuthenticationAttemptsCount30d": 0,
    "failedNonOauthAuthenticationAttemptsCount3d": 0,
    "failedNonOauthAuthenticationAttemptsCount7d": 0,
    "failedNonOauthAuthenticationAttemptsCount30d": 0,
    "debitTransactionsCount10d": 0,
    "creditTransactionsCount10d": 0,
    "debitTransactionsCount30d": 0,
    "creditTransactionsCount30d": 0,
    "debitTransactionsCount60d": 0,
    "creditTransactionsCount60d": 0,
    "debitTransactionsCount90d": 0,
    "creditTransactionsCount90d": 0,
    "totalDebitTransactionsAmount30d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "totalCreditTransactionsAmount30d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "totalDebitTransactionsAmount60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "totalCreditTransactionsAmount60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "totalDebitTransactionsAmount90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "totalCreditTransactionsAmount90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p50EodBalance30d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p50EodBalance60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p50EodBalance90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p50EodBalance31dTo60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p50EodBalance61dTo90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p90EodBalance31dTo60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p90EodBalance61dTo90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p10EodBalance31dTo60d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "p10EodBalance61dTo90d": {
      "amount": 4503599627370495,
      "currency": "<string>"
    },
    "isAccountClosed": true,
    "isAccountFrozenOrRestricted": true,
    "distinctIpAddressesCount3d": 0,
    "distinctIpAddressesCount7d": 0,
    "distinctIpAddressesCount30d": 0,
    "distinctIpAddressesCount90d": 0,
    "distinctUserAgentsCount3d": 0,
    "distinctUserAgentsCount7d": 0,
    "distinctUserAgentsCount30d": 0,
    "distinctUserAgentsCount90d": 0,
    "distinctSslTlsConnectionSessionsCount3d": 0,
    "distinctSslTlsConnectionSessionsCount7d": 0,
    "distinctSslTlsConnectionSessionsCount30d": 0,
    "distinctSslTlsConnectionSessionsCount90d": 0,
    "daysSinceAccountOpening": 0,
    "balanceToTransactionAmountRatio": 123
  },
  "ref": "<string>"
}

{
  "error": {
    "code": "addendum_required",
    "message": "<string>",
    "next": "<string>",
    "request_id": "<string>",
    "retryable": true,
    "effect": "none",
    "slot": "<string>",
    "required_micro": 123,
    "reason": "balance",
    "plan": "<string>",
    "needs": [
      {
        "kind": "approval",
        "detail": "<string>",
        "step": "<string>"
      }
    ]
  }
}