# PayAI Phone Intelligence & Fraud Risk Scoring

> PayAI Phone Intelligence & Fraud Risk Scoring is a paid API for AI agents from payai.agentstools.dev, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-11).

Validates and normalizes a phone number, detects line type and carrier, and returns a deterministic 0-100 KYC/fraud risk score with reasons using offline libphonenumber metadata

## Facts

- Endpoint: GET https://payai.agentstools.dev/phone/intel?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-11
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/payai-phone-intelligence-fraud-risk-scoring-c1ab10ba
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_UKDs0KKcTNbiRq6g2kyG-

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability payai-phone-intelligence-fraud-risk-scoring-c1ab10ba
```

Example prompt: Can you run an intelligence check on the phone number +14155552671 — I need to know if it's valid, what line type it is (mobile, VOIP, etc.), and what its fraud risk score is before I approve this new user signup?

## When to prefer this

Use this endpoint when you need fast, offline-capable phone number validation combined with KYC/fraud risk scoring in a single call — especially for onboarding flows where you want to flag VOIP, premium-rate, or suspicious numbers before allowing account creation. Prefer this over live number lookup services when you don't need real-time active-status or owner identity, and when privacy matters since the number is not stored.

## Known failure modes

- Missing 'number' query parameter returns 400/validation error
- Ambiguous national-format number without country code may fail to parse
- Unrecognized or unparseable number string returns invalid/error response
- Payment not sent or incorrect amount returns 402 Payment Required
- Numbers from territories with incomplete libphonenumber coverage may have reduced accuracy

## How this service works

Phone-number intelligence in one call: validity and E.164 normalization, line type (mobile, fixed line, VOIP, toll free, premium rate), country and region, carrier hint, timezones, and a deterministic 0-100 fraud/KYC risk score with a band and reasons. Offline number-plan metadata from Google libphonenumber. Risk indicators only, not a definitive fraud verdict; no live status and no owner identity; the input number is not stored.

## Output

Returns E.164-normalized number, validity flag, line type (mobile/fixed/VOIP/toll-free/premium), country, region, carrier hint, associated timezones, and a deterministic 0-100 risk score with a risk band label and human-readable reasons explaining the score.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET",
      "HEAD",
      "DELETE"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "required": [
      "number"
     ],
     "properties": {
      "number": {
       "type": "string",
       "description": "Phone number. E.164 (e.g. +14155552671) or a national number when 'country' is also given."
      },
      "region": {
       "type": "string",
       "description": "Alias of 'country' (ISO-3166 alpha-2)."
      },
      "country": {
       "type": "string",
       "description": "Optional ISO-3166 alpha-2 country code (e.g. US, GB, DE) for national-format input."
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/payai-phone-intelligence-fraud-risk-scoring-c1ab10ba/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from payai.agentstools.dev](https://www.zero.xyz/host/payai.agentstools.dev/llms.txt)