One endpoint. One response. That's the whole API.

Subtext's API is designed to do one thing well: take a merchant URL and return a structured risk report. No complex setup, no multi-step flows, no configuration required to start.

Read the Docs Get API Key

Request

1	import Subtext from "@subtext/node";
2
3	// merchant: ScreenParams
4	const client = new Subtext({
5	apiKey: process.env.SUBTEXT_API_KEY,
6	version: "2025-01",
7	});
8
9	const result: ScreenResult = await client.screen({
10	merchantId: "mer_8f2k9d",
11	business: {
12	legalName: "Crestwood Distribution LLC",
13	dba: "Crestwood Supply Co.",
14	registrationNumber: "EIN-82-4917263",
15	jurisdiction: "US-DE",
16	website: "https://crestwoodsupply.com",
17	phone: "+1 302 555 0174",
18	mcc: "5065",
19	},
20	options: {
21	depth: "full",
22	include: ["blocklist", "social", "reviews", "industry", "location"],
23	webhookUrl: "https://yourplatform.com/webhooks/subtext",
24	},
25	});

Response

1	{
2	"screening_id": "scr_01HXKJ9M4P",
3	"status": "complete",
4	"completed_at": "2025-04-12T09:14:03Z",
5	"duration_ms": 17400,
6
7	"decision": {
8	"recommendation": "approve",
9	"risk_level": "low",
10	"score": 82,
11	"confidence": 0.94
12	},
13
14	"signals": {
15	"website": {
16	"status": "pass",
17	"score": 88,
18	"findings": {
19	"reachable": true,
20	"ssl_valid": true,
21	"domain_age_days": 1847,
22	"contact_info_present": true,
23	"policy_pages_found": ["privacy", "terms", "returns"]
24	}
25	},
26	"industry": {
27	"status": "pass",
28	"classified_as": "wholesale_electronics",
29	"mcc_match": true,
30	"confidence": 0.91
31	},
32	"reviews": {
33	"status": "pass",
34	"score": 79,
35	"sources": ["google", "trustpilot"],
36	"aggregate_rating": 4.3,
37	"review_count": 214,
38	"sentiment": "positive"
39	},
40	"location": {
41	"status": "pass",
42	"address_verified": true,
43	"coordinates_match": true
44	},
45	"social": {
46	"status": "pass",
47	"platforms_found": ["linkedin", "instagram"],
48	"presence_score": 71
49	},
50	"blocklist": {
51	"status": "pass",
52	"sanctions_match": false,
53	"pep_match": false,
54	"adverse_media": false,
55	"sources_checked": ["OFAC", "EU-Consolidated", "UN-Sanctions"]
56	}
57	},
58
59	"evidence": {
60	"website_url": "https://crestwoodsupply.com",
61	"linkedin_url": "https://linkedin.com/company/crestwood-supply",
62	"registration_doc": "https://evidence.subtext.com/scr_01HXKJ9M4P/reg.pdf"
63	}
64	}

200 OK17,400msPOST /v1/screen

From API key to first report in five minutes.

Standard Keys

Create a key with full API access, enabling extensive interaction with your account.

Publishable Key

test

pk_test_j8JIEcwAyd8uWD7NA4SDWISr5AfDKdW12e3D2dqoWA

Secret Key

live

sk_live_••••••••••Rd

Get your API key. Sign up for a Subtext account. Your API key is on the dashboard. No approval process, no sales call required for sandbox access.

REQUEST

POST /v1/merchant/screen

{

"url": "https://crestwoodsupply.com",

"rules": "default",

"jurisdiction": "US-DE",

"phone": "+1 302 555 0174",

"registration_number": "EIN-82-4917263",

"duration_ms": 17400,

{

Make your first request: Pass a merchant URL & your preferred rule set. Subtext handles the rest, pulling from multiple sources in a single call.

{

"screening_id": "scr_01HXKJ9M4P",

"status": "complete",

"completed_at": "2025-04-12T09:14:03Z",

"duration_ms": 17400,

"decision": {

"recommendation": "approve",

"risk_level": "low",

"score": 82,

"confidence": 0.94

}

Read the response: A structured JSON report with business verification, industry classification, risk level, & recommendation in under 30 seconds.

Everything your team needs to make a decision. Nothing they don't.

The response is designed to be acted on, not analyzed. Each field tells your system exactly what it needs to know — and nothing else. Pipe it directly into your decisioning logic, store it for audit, or surface it to your risk team.

Field	Type	Description	Example
merchant	string	Verified business name	Crestwood Distribution LLC
url	string	Analyzed URL	https://crestwoodsupply.com
risk_level	enum	low · medium · high · critical	low
verified	boolean	Whether the business existence is confirmed	true
industry	string	AI-classified industry based on web content	wholesale_electronics
signals.website	string	Website operational status and age	reachable · ssl_valid · 1847 days
signals.reviews	string	Review sentiment summary and count	4.3/5 · 214 reviews · positive
signals.social	string	Social profile consistency assessment	linkedin · instagram · consistent
signals.location	string	Location verification result	verified · coordinates_match
signals.blocklist	string	Blocklist screening result	clear · OFAC · EU · UN
recommendation	enum	auto_approve · manual_review · reject	auto_approve
evidence	array	Links to sources analyzed	https://crestwoodsupply.com, https://reviews.com/crestwood
analyzed_in	string	Processing time	19.8s

Built for how compliance teams actually work.

Batch Processing. Submit hundreds of merchants in a single request. Results are delivered as each screening completes — no need to wait for the entire batch.

Configurable Rules. Define your own risk thresholds, industry allowlists, and auto-decision criteria. Subtext applies your rules to every report so the output matches your compliance policy.

Webhook Events. Subscribe to screening events and receive alerts when reports are ready, when risk levels change, or when a merchant's profile is updated during monitoring.

Portal Access. Not everything needs to go through the API. The Subtext portal gives analysts a visual interface for running ad‑hoc screenings and reviewing reports.

SDKs and Integrations

Works with your stack. Not instead of it.

Subtext integrates with your existing onboarding flow, risk engine, or case management system. The API returns standard JSON — build your own integration, or use one of our client libraries.

Python

Node JS

Javascript

Ruby

cURL