Transactions Enrichment

Overview

MoneyKit enhances transaction data from providers by categorizing it into human-readable formats. Enrichment occurs in the background during transaction retrieval, and a webhook notification is sent once the process completes. Only transactions with sufficient data are enriched, and each enriched transaction includes a confidence score reflecting the accuracy of its categorization. An API endpoint is available to override the assigned categories for specific transactions, ensuring that any inaccuracies in the automated process can be manually addressed.

Enrichment data is stored within the transactions.enrichment object, containing the following fields:

Category: The primary category assigned to the transaction. Available for all enriched transactions. Refer to the full taxonomy below.
Subcategory (optional): The secondary category for the transaction. Refer to the full taxonomy below.
Merchant (optional): The predicted merchant, such as a business or store.
Processor (optional): The predicted payment processor for the transaction.
Recurrence (optional): Indicates the transaction's regularity if a pattern is detected.

For more detail, refer to our transactions documentation.

Note

The category field in our transaction response has been deprecated, but will still be displayed when available.

They are labeled using dotted notation in the format category[.subcategory][.extra].

The .subcategory suffix is optional, and may be omitted, or given as .other where a more exact subcategory can't reasonably be assigned.

If the subcategory is other, extra information may be appended as another dotted string; for example, fee.other.misc_charge or wages.other.supplemental.

Enrichment Taxonomy

Note

These changes will go into effect on January 13, 2025

We have removed the following enrichment category:

borrowing_and_loans: deferred_bills

We have renamed the following enrichment categories:

banking: overdraft_fees has been renamed to nsf_and_overdraft_fees
banking: bank_fees_and_currency_exchange has been renamed to account_fees_and_other_bank_charges
transport: petrol_and_vehicle_charging has been renamed to vehicle_fuel_and_charging

We have also added the following new enrichment categories:

banking: atm_fees
banking: currency_exchange_and_fees
borrowing_and_loans: cash_advance_loans

Overview

Enrichment Taxonomy

banking

Subcategories:

account_fees_and_other_bank_charges

atm_fees

cash_withdrawals

currency_exchange_and_fees

interest

nsf_and_overdraft_fees

other_banking

outgoing_checks

overdraft_protection

refunds_and_reversals

unpaid_transactions

borrowing_and_loans

Subcategories:

buy_now_pay_later

car_payment

cash_advance_loans

credit_cards

debt_management

loan_incoming

loan_repayment

other_borrowing_and_loans

student_loan

vehicle_loan

charity

Subcategories:

charity

other_charity

dependent_costs

Subcategories:

child_support

childcare

childrens_expenses

other_dependent_costs

education

Subcategories:

driving_lessons

other_education

university_and_tuition

entertainment

Subcategories:

books_and_reading

cinema

gaming

leisure_and_amusement_activities

other_entertainment

other_events

sport_events

theatre_concerts_and_tickets

expenses

Subcategories:

business_expenses

financial_and_legal_expenses

other_expenses

other_memberships_and_services

postage_and_office_supplies

food_and_drink

Subcategories:

bars_and_pubs

coffee

convenience_stores

eating_out_and_takeaways

groceries

other_eating_out

other_food_and_drink

speciality_food_and_drink

gambling_and_lotteries

Subcategories:

gambling_and_betting

lotteries_and_sweepstakes

other_gambling_and_lotteries

general

Subcategories:

other_general

health_and_personal_care

Subcategories:

`banking`

`account_fees_and_other_bank_charges`

`atm_fees`

`cash_withdrawals`

`currency_exchange_and_fees`

`interest`

`nsf_and_overdraft_fees`

`other_banking`

`outgoing_checks`

`overdraft_protection`

`refunds_and_reversals`

`unpaid_transactions`

`borrowing_and_loans`

`buy_now_pay_later`

`car_payment`

`cash_advance_loans`

`credit_cards`

`debt_management`

`loan_incoming`

`loan_repayment`

`other_borrowing_and_loans`

`student_loan`

`vehicle_loan`

`charity`

`charity`

`other_charity`

`dependent_costs`

`child_support`

`childcare`

`childrens_expenses`

`other_dependent_costs`

`education`

`driving_lessons`

`other_education`

`university_and_tuition`

`entertainment`

`books_and_reading`

`cinema`

`gaming`

`leisure_and_amusement_activities`

`other_entertainment`

`other_events`

`sport_events`

`theatre_concerts_and_tickets`

`expenses`

`business_expenses`

`financial_and_legal_expenses`

`other_expenses`

`other_memberships_and_services`

`postage_and_office_supplies`

`food_and_drink`

`bars_and_pubs`

`coffee`

`convenience_stores`

`eating_out_and_takeaways`

`groceries`

`other_eating_out`

`other_food_and_drink`

`speciality_food_and_drink`

`gambling_and_lotteries`

`gambling_and_betting`

`lotteries_and_sweepstakes`

`other_gambling_and_lotteries`

`general`

`other_general`

`health_and_personal_care`

`beauty`

`dental`

`gym_and_fitness`

`healthcare`

`optical`

`other_health_and_personal_care`

`pharmacies_and_health_products`

`sport_accessories_and_equipment`

`home`

`furniture`

`gardening`

`home_maintenance`

`household_goods`

`laundry`