---
title: "APP Scam Pre-Payment Risk Assessor"
method: POST
path: "/v1/tools/assess_app_scam_pre_payment_risk"
tags: ["APP", "scam", "push-payment", "PSR", "CoP", "pre-payment", "typology", "zero-pii"]
---

# APP Scam Pre-Payment Risk Assessor

`POST /v1/tools/assess_app_scam_pre_payment_risk`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/assess_app_scam_pre_payment_risk`
- Auth: none declared

APP scam risk scoring and typology classification at the point of payment initiation. Scoped to pre-payment detection only — PSR liability split and reimbursement eligibility use T257 (Cat-21). PSR PS23/3 · UK FPS CoP v3.0 · EU Regulation 2024/886. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/322-app-scam-risk-assessor.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `beneficiary_account_age_days` integer, required
  - `first_time_payee` boolean, required
  - `payment_purpose_category` string, required
  - `instruction_channel` string, required
  - `time_pressure_flag` boolean, required
  - `amount_vs_sender_median_pct` integer, required
  - `beneficiary_account_pattern` string, required

## Response `200`

Successful tool execution result

- object
  - `score` integer
  - `tier` 'low' | 'moderate' | 'high' | 'block'
  - `tierLabel` string
  - `topTypology` string
  - `friction` object
  - `signalSummary` unknown[]
    - unknown

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)