curl --request POST \
  --url https://api.qbank.cl/platform/v1/qscore/fraud/reports \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "country": "CL",
  "doc_id": "76.123.456-0",
  "subject_type": "company",
  "purpose": "identity_verification",
  "lang": "en",
  "idempotency_key": "fraud-check-2026-09-06-001"
}
'

import requests

url = "https://api.qbank.cl/platform/v1/qscore/fraud/reports"

payload = {
    "country": "CL",
    "doc_id": "76.123.456-0",
    "subject_type": "company",
    "purpose": "identity_verification",
    "lang": "en",
    "idempotency_key": "fraud-check-2026-09-06-001"
}
headers = {
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

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

print(response.text)

const options = {
  method: 'POST',
  headers: {Authorization: 'Bearer <token>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    country: 'CL',
    doc_id: '76.123.456-0',
    subject_type: 'company',
    purpose: 'identity_verification',
    lang: 'en',
    idempotency_key: 'fraud-check-2026-09-06-001'
  })
};

fetch('https://api.qbank.cl/platform/v1/qscore/fraud/reports', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.qbank.cl/platform/v1/qscore/fraud/reports",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'country' => 'CL',
    'doc_id' => '76.123.456-0',
    'subject_type' => 'company',
    'purpose' => 'identity_verification',
    'lang' => 'en',
    'idempotency_key' => 'fraud-check-2026-09-06-001'
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://api.qbank.cl/platform/v1/qscore/fraud/reports"

	payload := strings.NewReader("{\n  \"country\": \"CL\",\n  \"doc_id\": \"76.123.456-0\",\n  \"subject_type\": \"company\",\n  \"purpose\": \"identity_verification\",\n  \"lang\": \"en\",\n  \"idempotency_key\": \"fraud-check-2026-09-06-001\"\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://api.qbank.cl/platform/v1/qscore/fraud/reports")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"country\": \"CL\",\n  \"doc_id\": \"76.123.456-0\",\n  \"subject_type\": \"company\",\n  \"purpose\": \"identity_verification\",\n  \"lang\": \"en\",\n  \"idempotency_key\": \"fraud-check-2026-09-06-001\"\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://api.qbank.cl/platform/v1/qscore/fraud/reports")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"country\": \"CL\",\n  \"doc_id\": \"76.123.456-0\",\n  \"subject_type\": \"company\",\n  \"purpose\": \"identity_verification\",\n  \"lang\": \"en\",\n  \"idempotency_key\": \"fraud-check-2026-09-06-001\"\n}"

response = http.request(request)
puts response.read_body

{
  "report_id": "9f1c2d3e-4a5b-4c6d-8e7f-0a1b2c3d4e5f",
  "kind": "qscore_fraud",
  "subject_id": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
  "country": "CL",
  "doc_id": "76123456-0",
  "subject_type": "company",
  "purpose": "identity_verification",
  "status": "ready",
  "model_version": "qscore-fraud-v1",
  "lang": "en",
  "score": 280,
  "band": "B",
  "reason_codes": [
    {
      "code": "NEW_SUBJECT",
      "direction": "negative",
      "weight": "high"
    }
  ],
  "verify_code": "F9f1c2d3e4a5b6c7d8e9f00112233445566778899aabbccddeeff0011223344",
  "verify_url": "https://business.cbpayapp.com/verify/qscore-fraud/F9f1c2d3e4a5b6c7d8e9f00112233445566778899aabbccddeeff0011223344",
  "pdf_url": "/v1/qscore/fraud/reports/9f1c2d3e-4a5b-4c6d-8e7f-0a1b2c3d4e5f/pdf",
  "created_at": "2026-09-06T15:04:12Z"
}

{
  "error": "invalid_purpose",
  "message": "purpose must be one of fraud_prevention, identity_verification, onboarding or other"
}

{
  "error": "service_disabled",
  "message": "the fraud and identity service is not enabled for your account"
}

{
  "error": "generation_failed",
  "message": "the fraud report could not be generated"
}