Guide

Transaction confidence scores and warnings

Confidence and warnings make uncertain merchant enrichment usable instead of pretending every descriptor is solved.

Answer-first summary

TxnKit response fields separate the display value from the evidence behind it. Use confidence, signals, and warnings to decide whether to show a merchant label, fallback text, or a review state.

Raw descriptor example

POST /v1/enrich

{
  "raw_description": "POS PURCHASE 742 MAIN ST CAFE",
  "currency": "USD",
  "country": "US"
}

{
  "display_name": "Main St Cafe",
  "confidence": 0.56,
  "signals": ["generic_pos_prefix_removed"],
  "warnings": ["local_merchant_identity_not_verified", "avoid_logo_display"]
}

When to use

Use confidence bands and warnings when transaction UI needs fallback behavior for ambiguous local merchants, marketplace sellers, unsupported processors, and generic POS labels.

When not to use

Do not hide low-confidence output behind confident wording, show unverified logos, or use enrichment confidence as legal identity proof.