Send unclear cases to a person

// sendToReview and applyDecision are your own functions
const payload = { merchant: "LUCKY COINS LLC", mcc: "5816" };

const res = await fetch(`${base}/v1/understand`, {
  method: "POST",
  headers: {
    Authorization: `Bearer ${key}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({ decision: "restricted_merchant", input: payload }),
});
const result = await res.json();
if (!res.ok) throw new Error(`${res.status}: ${result.error.message}`);

if (result.abstain) {
  await sendToReview({ decision: result.decision, reasons: result.reasons, input: payload });
} else {
  await applyDecision(result.answer);
}

# send_to_review and apply_decision are your own functions
payload = {"merchant": "LUCKY COINS LLC", "mcc": "5816"}

res = requests.post(
    f"{base}/v1/understand",
    headers={"Authorization": f"Bearer {key}"},
    json={"decision": "restricted_merchant", "input": payload},
    timeout=10,
)
result = res.json()
if not res.ok:
    raise RuntimeError(f"{res.status_code}: {result['error']['message']}")

if result["abstain"]:
    send_to_review(decision=result["decision"], reasons=result["reasons"], input=payload)
else:
    apply_decision(result["answer"])

# Send unclear cases to a person

Built and tested, not yet deployed. Early access.

## The pattern

1. Call the decision.
2. If `abstain` is true, put the case in your review queue with its `reasons`.
3. Otherwise apply `answer`.

## Code

`base` and `key` are set as in the [Quickstart](/api/docs/quickstart).

The review pattern in TypeScript:

```typescript
// sendToReview and applyDecision are your own functions
const payload = { merchant: "LUCKY COINS LLC", mcc: "5816" };

const res = await fetch(`${base}/v1/understand`, {
  method: "POST",
  headers: {
    Authorization: `Bearer ${key}`,
    "Content-Type": "application/json",
  },
  body: JSON.stringify({ decision: "restricted_merchant", input: payload }),
});
const result = await res.json();
if (!res.ok) throw new Error(`${res.status}: ${result.error.message}`);

if (result.abstain) {
  await sendToReview({ decision: result.decision, reasons: result.reasons, input: payload });
} else {
  await applyDecision(result.answer);
}
```

The review pattern in Python:

```python
# send_to_review and apply_decision are your own functions
payload = {"merchant": "LUCKY COINS LLC", "mcc": "5816"}

res = requests.post(
    f"{base}/v1/understand",
    headers={"Authorization": f"Bearer {key}"},
    json={"decision": "restricted_merchant", "input": payload},
    timeout=10,
)
result = res.json()
if not res.ok:
    raise RuntimeError(f"{res.status_code}: {result['error']['message']}")

if result["abstain"]:
    send_to_review(decision=result["decision"], reasons=result["reasons"], input=payload)
else:
    apply_decision(result["answer"])
```

## Log the reasons and the rate

Store `reasons` with each case. Review cases with `rule_differs` first: there the model and our engine disagree.

Count abstains per decision on your own traffic before you move the line.

## Don’t build adverse action on it

An answer is an input to your process, not a credit decision. [What it isn’t for](/api/docs/use)

Source: /api/docs/guides/review-queue