---
title: "T257 · PSR APP Fraud Reimbursement Workflow Builder — AINumbers.co"
method: POST
path: "/v1/tools/psr_reimbursement_workflow_builder"
---

# T257 · PSR APP Fraud Reimbursement Workflow Builder — AINumbers.co

`POST /v1/tools/psr_reimbursement_workflow_builder`

## Request

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

Step-by-step UK PSR mandatory APP fraud reimbursement claim assessment workflow. £85,000 cap, gross negligence checklist, 50/50 PSP split, 5-business-day clock. claims Policy Mandate JSON. Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/257-psr-reimbursement-workflow-builder.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `claim_amount_gbp` number, required: Total amount claimed by the consumer as APP fraud loss (£GBP)
  - `fraud_type` 'purchase' | 'investment' | 'romance' | 'impersonation_bank' | 'impersonation_police' | 'impersonation_hmrc' | 'ceo_mandate' | 'advance_fee' | 'other', required: APP fraud / scam typology
  - `consumer_vulnerability` 'no' | 'yes' | 'potential', required: Consumer vulnerability status — confirmed vulnerable consumers receive zero excess and enhanced care
  - `account_type` 'personal' | 'business' | 'charity'
  - `sending_psp_type` 'bank' | 'building_society' | 'emi' | 'payment_institution'
  - `excess_configured_gbp` number: PSP-configured excess amount (£0–£100 maximum per PSR Specific Direction 18)
  - `receiving_psp_identified` boolean: Whether the receiving PSP has been identified via FPS transaction records
  - `gross_negligence_indicators` object, required: Assessment of 6 PSR gross negligence indicators — values: 'yes' | 'no' | 'unknown'
    - `ignored_specific_warning` 'yes' | 'no' | 'unknown'
    - `overrode_payment_block` 'yes' | 'no' | 'unknown'
    - `shared_credentials_otp` 'yes' | 'no' | 'unknown'
    - `multiple_payments_despite_warnings` 'yes' | 'no' | 'unknown'
    - `reported_outside_13_months` 'yes' | 'no' | 'unknown'
    - `first_party_fraud_indicators` 'yes' | 'no' | 'unknown'

## Response `200`

Successful tool execution result

- object
  - `decision` 'reimburse-full' | 'reimburse-excess' | 'refer' | 'reject', required: Claim outcome decision
  - `consumer_reimbursement_gbp` number, required: Amount to credit to consumer account
  - `sending_psp_liability_gbp` number, required: Sending PSP net liability (50% of reimbursable)
  - `receiving_psp_recovery_gbp` number: Amount recoverable from receiving PSP (50% of reimbursable)
  - `psr_cap_applied` boolean
  - `excess_applied_gbp` number
  - `settlement_deadline_business_days` integer
  - `playbook_steps` string[]
  - `timeline` unknown[]
    - unknown
  - `agent_instructions` string[]
  - `ap2_mandate` object, required

---

[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)