AML Checks
goodPayments supports AML checks on incoming transactions to assess risk. When AML mode is enabled, every incoming transaction is screened before funds are forwarded to the merchant's address. If the risk score returned by the check exceeds the threshold set by the merchant, the funds are automatically returned to the sender.
Enabling AML Checks
To enable AML checks, go to the «AML» section of your merchant dashboard and activate the «Enable AML checks» toggle. Once enabled, the «Risk threshold» setting becomes available.
Risk Threshold
The risk threshold defines the maximum acceptable risk level (0-100%) for incoming transactions. If the risk score returned by the check exceeds the configured threshold, the check is considered failed. The threshold is adjusted using a slider, changes are saved immediately when a new value is set.
Example: with a risk threshold set to 70%, any transaction that receives a risk score above 70% during the check will be rejected.
Note: If AML checks have never been enabled before, the risk threshold slider and the checks history block are not displayed in the section. They appear for the first time when AML is activated. Once at least one check has been performed, the checks history remains visible even when AML is disabled.
How AML Checks Work
The payer sends USDT TRC-20 to the address specified in the invoice.
goodPayments detects the incoming transaction and performs an AML check on it.
goodPayments compares the risk score returned by the check against the threshold configured by the merchant in the dashboard.
If the check passes (the risk score is below the merchant's configured threshold), standard payment processing continues.
If the check fails (the risk score equals or exceeds the merchant's configured threshold), the invoice is assigned the status «AML Check Failed», and the funds are returned to the sender. The AML check fee and the payment processing fee are still charged from the merchant's forwarding balance, regardless of the check outcome.
AML Check Fee
The cost of each AML check is deducted from the merchant's forwarding balance (main balance) in TRX. The fee amount is $1, converted to TRX at the current USDT/TRX exchange rate. The fee is charged regardless of the check result – both for passed and failed checks.
Checks History
The «AML» section displays a table with the history of all checks performed. The table contains the following columns:
Invoice ID
A clickable link to the detailed invoice page.
Transaction Hash
The hash of the incoming transaction that was checked.
Address
The address that received the funds (the address generated for the invoice).
Result
The risk score and the check status. Color-coded: green – check passed; red – check failed.
PDF Report
Button to download the check report in PDF.
Check Cost
The cost of the check in TRX.
Date / Time
The date and time the check was performed.
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