RecoupIQ Developer Reference
Deterministic risk intelligence, sub-150ms transaction clearance rails, and tamper-evident audit receipts for UK B2B platforms, payment processors, and financial institutions.
5.3M+
UK Commercial Entities
Active & historical corporate registry
29.3M
Officer & Director Records
Historical appointments & governance
100%
Charges & Debentures
Secured debt & creditor priority
Real-Time
Insolvency & Gazette Feeds
Court petitions & dissolution notices
Environments & Key Separation
All API calls use the canonical production host https://recoup-iq.tech. Environment isolation is determined automatically by your API key prefix:
Returns deterministic scenario fixtures. Simulates healthy companies, High Court petitions, strike-offs, and boardroom resignations without burning live settlement quotas or impacting payment rails. Returns meta.sandbox: true.
Connects directly to the RecoupIQ high-throughput clearance engine. Evaluates real-time solvency and Section 127 clawback risk with guaranteed sub-150ms network SLA. Cryptographically signs receipts with Hardware Security Modules (RS256) for statutory audit compliance.
Transaction Check Quickstart (POST /api/v1/transaction-check)
Before releasing morning payout wires or extending trade credit, send an idempotent clearance check. The endpoint requires zero PAN/CVV data, operating solely on verified UK corporate registration numbers.
curl -X POST https://recoup-iq.tech/api/v1/transaction-check \
-H "Authorization: Bearer riq_test_your_sandbox_api_key" \
-H "Content-Type: application/json" \
-H "Idempotency-Key: wire_clearance_20260905_001" \
-H "X-Request-Id: req_trace_987654" \
-d '{
"transactionId": "txn_payout_88219",
"idempotencyKey": "wire_clearance_20260905_001",
"eventType": "payout_release",
"amountMinor": 12500000,
"currency": "GBP",
"direction": "outbound",
"productType": "b2b_payout",
"payer": {
"role": "payer",
"companyNumber": "01234567"
},
"payee": {
"role": "payee",
"companyNumber": "07654321"
},
"terms": {
"creditDays": 0
},
"exposure": {
"currentMinor": 0,
"proposedMinor": 12500000,
"currency": "GBP"
}
}'Clearance Outcomes:
Zero statutory impediment. Safe for immediate Faster Payments / BACS wire release.
Section 127 void hazard, High Court winding-up petition, or governance vacuum. Immediate hold advised.
Severe working capital deficit or director churn. Manual risk approval or rolling reserve required.
Canonical Endpoints
| Method | Path | Required Scope | Description |
|---|---|---|---|
| POST | /api/v1/transaction-check | transaction-risk:check | Sub-150ms settlement clearance intercepting High Court winding-up petitions & Insolvency Act 1986 §127 void payouts. |
| POST | /api/v1/transaction-outcomes | transaction-risk:outcome | Record transaction lifecycle outcomes (settled, chargeback, default, clawback). |
| GET | /api/v1/transaction-decisions | transaction-risk:decision:read | Retrieve prior signed decision receipts and cryptographic certificates using Idempotency-Key. |
| GET | /api/v1/transaction-keys | transaction-risk:keys:read | Retrieve public Azure Key Vault HSM verification keys for signed decision receipts. |
| POST | /api/v1/report | risk-assess:read | Full forensic report (verdict plus plain-English findings) for a UK company. |
| POST | /api/v1/risk-assess | risk-assess:read | Banded risk assessment with optional priced risk and reason codes. |
| POST | /api/v1/screen | screen:read | Sanctions, FCA Warning List, and disqualified-director screening. |
| POST | /api/v1/cross-border-counterparty | risk-assess:read | UK counterparty vetting for foreign creditors, with a regime explainer. |
| POST | /api/v1/entity-resolve | risk-assess:read | Resolve a trading name plus address to a Companies House number. |
| GET/POST/DELETE | /api/v1/company-monitoring | transaction-risk:monitoring:manage | Manage automated continuous company-risk monitoring and change alerts. |