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Finicity transaction enrichment alternative

TxnKit is a focused cleanup layer for teams evaluating Finicity. Use it when the transaction feed already exists and the visible merchant row still looks unfinished.

Ask about a 100-descriptor cleanup auditInspect the API

Target intent

teams with Finicity transaction feeds that need cleaner merchant rows.

TxnKit does not replace connectivity, consent, or account data access.

Raw descriptor

POS PURCHASE 742 MAIN ST CAFE

API-shaped output

{
  "input": {
    "descriptor": "POS PURCHASE 742 MAIN ST CAFE",
    "country": "CA"
  },
  "output": {
    "merchant_name": "Main St Cafe",
    "category": "Restaurant",
    "confidence": "medium",
    "signals": [
      "processor_pattern",
      "merchant_alias",
      "category_hint"
    ],
    "warnings": [
      "review_low_confidence_matches_before_showing_logo"
    ],
    "logos": []
  }
}

Low-confidence results should keep fallback labels and warnings visible instead of forcing a guessed logo or website.

When to use

  • You already receive transaction data and need a narrower Finicity alternative for display enrichment.
  • Your app needs merchant names, categories, confidence, warnings, and logo-ready metadata.
  • You want deterministic enrichment behavior without live LLM, crawler, logo-provider, or third-party enrichment calls.

When not to use

  • TxnKit does not replace connectivity, consent, or account data access.
  • Do not use TxnKit to process card numbers, account numbers, full statements, bank credentials, emails, phone numbers, addresses, customer names, or customer PII.
  • Do not use TxnKit when the product requirement is guaranteed merchant identity, every-merchant resolution, or contracted uptime terms.

Proof surfaces

The public contract is POST /v1/enrich, backed by the OpenAPI file, benchmark examples, privacy rules, and deterministic request-path tests.

OpenAPI · Benchmark · Security · Pricing

Related pages