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Under-review CAMARA project
Spain

Scam Signal API

The Scam Signal API allows businesses to protect their customers from impersonation scams.

Authorized Push Payment (APP) fraud occurs when a victim is tricked into transferring money to a fraudster, often through impersonation of banks, government agencies, family members, or via scams involving fake investments, counterfeit goods, or deceptive relationships.

What can it be used for?

The Scam Signal API helps businesses detect and block phishing fraud attempts before their customers fall into the trap.

Real results

Early integrations at major operators, such as the UK bank, have demonstrated up to 40% reduction in real-time fraud, 45% less financial loss and significant improvement in customer protection from day one. A clear validation of the strategic value of this advanced network solution.

Improved fraud detection

Adds telecom intelligence to existing fraud models, improving detection accuracy and reducing false positives (up to 55%), leading to better operational efficiency.

Immediate fraud response

Enables organisations to interrupt fraud in progress, with dynamic actions such as pausing suspicious transactions, triggering alerts or redirecting users to secure verification flows.

Real-time network signals

Enables anti-fraud systems to instantly determine whether a user is in active network activity at the time of a transaction, a key indicator of social engineering scams such as APP fraud.

Signal analysis to preserve privacy

Provides network metadata ensuring privacy compliance and customer confidence.

Cross-industry collaboration

Leverages the expertise of telecommunications companies to improve bank fraud detection with minimal integration effort.

Use cases

Financial services & insurance

Real-time payment scam prevention

A customer attempting a high-value or unusual bank transfer can be protected by Scam Signal in real time. When the transaction is initiated, the banks anti-fraud system calls the API to check for simultaneous activity on the network. The payment can be stopped and the customer can receive a warning or be redirected to further verification.

Used APIs

Real-time payment scam prevention
Financial services & insurance

Fraud prevention in companies and small businesses

APP fraud is not limited to retail banking: companies are also targeted by scams (e.g., CEO or vendor impersonation scams).

For example, when a company's CFO is preparing an urgent transfer, the bank's portal could use Scam Signal to detect whether the CFOs phone has signs of a scam. If so, it could suggest a "callback verification" step before releasing the funds. In another scenario, a small business owner might receive a call from someone posing as a supplier or even a government authority demanding immediate payment; a fintech app or the bank could detect this using Scam Signal.

Used APIs

Fraud prevention in companies and small businesses

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Number Verification API

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Device Swap API

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Test our APIs before anyone else, develop new use cases and create new experiences to harness the power of the network. Contact our experts if you need more information on how to transform your applications and services with our APIs.

Under-review CAMARA project
Spain

Scam Signal API

Enables companies to protect their customers from phishing scams.

How to start

Follow these steps to access the Scam Signal API:

CHOOSE A PARTNER

Select a suitable Channel Partner or aggregator that offers integration with the Open Gateway API to meet your needs. Contact an expert for more information on Channel Partner availability or to become a new Open Gateway Partner.

SIGN UP

In order to use Open Gateway products, you must register on the Partner platform.

ACCESSING SCAM SIGNAL

Once registered and with your credentials, you will be able to access the Scam Signal API on registered carriers by making API calls through your chosen Channel Partner's gateway.

REVIEWING PRIVACY POLICIES

Scam Signal requires the consent of the end user to access the payment authorisation on their behalf, so you will need to register with Telefónica through the Partner's platform.

Join our Developer Hub

Test our APIs before anyone else, develop new use cases and create new experiences to harness the power of the network. Contact our experts if you need more information on how to transform your applications and services with our APIs.

Under-review CAMARA project
Spain

Scam Signal API

Start integrating the Scam Signal API into your apps and access network capabilities in real time.

As a developer, you will be able to consume this API either by using the HTTP protocol to perform requests to its standard Camara version on the API exposure platform of your provider of choice (availability will be indicated soon) or by integrating in your app the SDKs provided by those, which will make it simpler for you to authenticate, perform operations and handle results in the same programming language you are using.

Join our Developer Hub

Test our APIs before anyone else, develop new use cases and create new experiences to harness the power of the network. Contact our experts if you need more information on how to transform your applications and services with our APIs.

Under-review CAMARA project
Spain

Scam Signal API

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Under-review CAMARA project
Spain

Scam Signal API

Do you have any other questions? Contact our experts for any questions and advice.

FAQs

It correlates real-time network activity with high-risk user actions, like payment initiation. If a transaction occurs while the user is on an unusual network activity — a common scam pattern — the API flags it as potentially fraudulent.

CAMARA, the open-source project led by the Linux Foundation in collaboration with the GSMA, aims to universalise network APIs under the same standards for all telecommunications companies.

No, Scam Signal does not access or analyze call content. It only uses anonymized metadata. The API respects user privacy and complies with all data protection regulations.

Primarily banks, fintechs, and payment providers. Any organization seeking to reduce social engineering fraud (like APP scams) can use this API to improve detection and intervene in real time.

No, Scam Signal is delivered as a standardized API via GSMA Open Gateway, with consistent implementation across telecom networks. Most institutions can integrate it within existing fraud platforms or decisioning engines with minimal effort.

No, It's designed to complement existing tools such as SIM Swap detection, KYC Match, and behavioral analytics. It adds unique telecom-layer insight that enriches fraud models and increases their accuracy.

Yes. In the UK, participating banks have reported up to 41% reduction in scams in progress, 44% drop in fraud losses, and 55% fewer false positives after implementing Scam Signal.

Under-review CAMARA project
Spain

Scam Signal API

Access technical information, featured articles, training courses, webinars and documentation that will enable you to integrate the Scam Signal API into any application to streamline payment processes and provide your customers with a frictionless shopping experience.

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