Compare

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.

Ask about a 100-descriptor cleanup auditInspect the API

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

{
  "normalized_merchant": null,
  "display_name": null,
  "category": null,
  "subcategory": null,
  "website": null,
  "logos": {
    "preferred": null,
    "variants": [],
    "warnings": [
      "no_verified_logo_for_low_confidence_descriptor"
    ]
  },
  "confidence": 0.25,
  "recurring_hint": false,
  "processor_hint": "unknown",
  "location_hint": null,
  "signals": [
    "generic_card_descriptor",
    "removed_reference_tokens"
  ],
  "warnings": [
    "weak_merchant_evidence"
  ]
}

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

Related pages