From: €0.17 + VAT
The service to check for the presence of negative events such as protests, prejudicial acts, or insolvency procedures on an individual. All with a single request via API!
The Negativity Person service allows, using the tax code parameter, to verify the presence of negative events linked to a person in a few minutes.
Negativities generally refer to all those events with legal/economic value that may indicate a risk or issue related to a person or a company.
Negative events are generally considered to be:
The service is part of the RISK API and is identified by the endpoint https://risk.openapi.com/IT-negativita.
POST /negativita
The method to use in the request is POST:
POST https://risk.openapi.com/IT-negativita
The parameters to pass in the request body are:
This is an example of the parameters required for a request with tax code RSSMRA90D15L117D:
{
"cf_piva": "RSSMRA90D15L117D",
"callback": {
"url": "https://yourdomain.com/your_script",
"field": "data",
"method": "POST",
"headers": {
"session_id": "oiwejdf89453urf945jfg"
}
}
}
The response is asynchronous. It is possible to set a callback during the request to be notified when the data is available, without having to repeatedly call the GET /request/{id} endpoint to check its status. If a callback is set, the 'headers' field is mandatory and can be used to declare all the headers that the user would like to be indicated in the callback (such as session_id).
POST /negativita
The response will include the request ID to use in a subsequent call to access the desired data:
{
"data": {
"cf_piva": "RSSMRA90D15L117D",
"tipo": [
"negativita"
],
"callback": true,
"url" https://yourdomain.com/your_script,
"field" data,
"method" POST,
"data": false,
"headers": {
"session_id": ""oiwejdf89453urf945jfg""
}
"status": "PENDING",
"esito": "null"
"timestamp": "1717073284",
"date_request": "null",
"date_completion": "null",
"owner": "[email protected]",
"id": "60e866b6b3178c6dc80adf8e",
"soggetto": "null",
},
"success": true,
"message": "",
"error": null
}
If the POST call has confirmed the presence of negative events, it is also possible to request details with the endpoint GET IT-negativita/{id}/dettaglio. You will then be able to access information such as:
GET IT-negativita/{id}/dettaglio
Here is an example of a request:
GET/IT-negativita/{id}/dettaglio/60d1bfc731177b0a092cdfc1
GET IT-negativita/{id}/dettaglio
Below is an example of a response containing negative details:
{
"data": {
"presenzaPregiudizievoli": false,
"pregiudizievoli": null,
"presenzaProcedure": false,
"procedure": null,
"presenzaProtesti": true,
"protesti": [
{
"identificativo_protesto": 10089660,
"denominazione": "xALxxxxxLE AxxCExxO",
"codice_fiscale": "xxxVCxxP2xx0xx",
"data_nascita": null,
"provincia_nascita": null,
"luogo_nascita": null,
"codice_comune_nascita": null,
"codice_istat_comune_nascita": null,
"stato_nascita": null,
"codice_stato_nascita": null,
"indirizzo_residenza": {
"denominazione": "VIA LxxxE x1",
"cap": null,
"codice_comune": "Lxx3x",
"codice_comune_istat": "xx83",
"comune": "GxxPxxI",
"frazione": null,
"provincia": "Lx",
"altre_indicazioni": null,
"codice_stato_estero": null,
"stato_estero": null
},
"effetti": [
{
"cciaa": "Lx",
"data_iscrizione": "20xx-0x-05",
"data_levata": "20xx-07-x9",
"provincia_levata": "Lx",
"comune_levata": "GxxPxxI",
"codice_comune_levata": "Lxx3x",
"codice_istat_comune_levata": "xx83",
"data_scadenza": "20xx-07-xx",
"tipo_scadenza": null,
"codice_tipo_scadenza": null,
"tipo_effetto": "CAMBIALE",
"codice_tipo_effetto": "C",
"importo": 2000,
"motivo_rifiuto_pagamento": "Il domiciliatario non paga per mancanza di istruzioni",
"codice_motivo_rifiuto_pagamento": "CM1",
"stato_effetto": "NORMALE",
"codice_stato_effetto": "N",
"informazione_legata_effetto": null,
"codice_informazione_legata_effetto": null,
"informazione": null
}
]
}
]
},
"success": true,
"message": "",
"error": null
}
As mentioned above, the service also allows the status and result of the negativity request to be checked, starting with the previously obtained ID.
GET /IT-request/{id}
Here is an example of a request:
GET https://risk.openapi.com/IT-request/60e866b6b3178c6dc80adf8e
GET /IT-request/{id}
Through the response, it will be possible to know if the following negative events are linked to a person:
{
"data": {
"cf_piva": "RSSMRA90D15L117D",
"tipo": [
"negativita"
],
"callback": true
"status": "COMPLETED",
"esito": {
"codice": 200,
"info": "OK"
},
"timestamp": 1625232029,
"date_request": "2024-04-09 17:09:42",
"date_completion": "2024-04-09 17:40:57",
"owner": "[email protected]",
"id": "60e866b6b3178c6dc80adf8e",
"soggetto": {
"code": "RSSMRA90D15L117D",
"negativita": {
"protesti": true,
"procedure": false,
"pregiudizievoli": false
"coinvoltoInProcedura": false
},
}
},
"success": true,
"message": "",
"error": null
}
The service is ideal for companies that need to quickly and reliably obtain information about any potential financial or legal issues of a private individual in Italy. Some types of companies that have already integrated the service include Banks, Financial Institutions, Debt Collection Agencies, and Insurance Companies.
In addition to verifying the presence, you can obtain the full details of the negative records through protest records, prejudicial acts, and insolvency proceedings, which can be requested via the DocuEngine API. These documents are available in PDF, JSON, and XML formats.
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This service is part of Risk, the API that allows you to access numerous databases (e.g., Civil Registry, Revenue Agency, CCIAA, CRIF, Experian) and over 15 reports and investigations on individuals, freelancers, and companies with a single request.
Below are some of the details available via API:
The Negativity Person service allows you to verify via API the presence of negative events such as protests, prejudicial actions in the land registry, and insolvency proceedings, using only a tax code.
The service identifies protests (non-payment of checks or promissory notes), prejudicial actions in the land registry (mortgages, injunctions, foreclosures), and insolvency proceedings (insolvency status, difficulty in meeting obligations).
Yes, if there are protests, you can also obtain via API the negativity details via the endpoint GET/IT-negativita/{id}/dettaglio.
Yes, the Negativity service can also be used to perform searches on companies.
The Negativity Person service is used daily by companies, financial institutions, insurance companies, and professionals who need to quickly verify the presence of negative events, such as protests or prejudicial actions, against individuals.
Openapi manages the entire API request process in full compliance with current privacy regulations, employing data minimization and encryption principles.
For more information, you can consult the Privacy documentation on our website.
The documents produced are deleted from Openapi systems based on the timelines specified in the Redemption Period (the deadline beyond which the document is deleted from our servers) within the privacy documentation.
If needed, the customer can directly contact the authorized professional who provided the service, as they are required to retain a copy in accordance with regulations.
The service is provided in few seconds.
The cost of the Negativity Person service is as low as €0.17 on a subscription basis or €0.45 per request charged on a top-up.
The costs of the Negativity Detail service starts at €0.60 on a subscription basis or €0.75 per individual request charged on top-up.