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Tink transaction enrichment alternative

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

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Target intent

European open-banking teams comparing cleanup options for existing transaction feeds.

TxnKit is a cleanup layer, not a regulated open-banking connector.

Raw descriptor

CARD PURCHASE STARBUCKS 04821

API-shaped output

{
  "input": {
    "descriptor": "CARD PURCHASE STARBUCKS 04821",
    "country": "CA"
  },
  "output": {
    "merchant_name": "Starbucks",
    "category": "Coffee shop",
    "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 Tink 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 is a cleanup layer, not a regulated open-banking connector.
  • 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

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