Solution

Recurring transaction detection

TxnKit helps teams solve recurring transaction detection with one safe descriptor, confidence-aware output, and warnings when identity evidence is weak.

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Target intent

surface recurrence hints for subscription-like rows.

TxnKit does not manage subscriptions or cancel payments.

Raw descriptor

PAYPAL *SPOTIFY

API-shaped output

{
  "normalized_merchant": "spotify",
  "display_name": "Spotify",
  "category": "digital_services",
  "subcategory": "music_streaming",
  "website": "https://www.spotify.com",
  "logos": {
    "preferred": {
      "url": "https://cdn.txnkit.dev/logos/curated-seed-20260524/pilot-001/logos/spotify/icon_64-64x64.png",
      "format": "png",
      "width": 64,
      "height": 64,
      "background": "brand",
      "theme": "any",
      "shape": "square",
      "purpose": "transaction_feed_icon",
      "source": "curated",
      "confidence": 0.96
    },
    "variants": [
      {
        "url": "https://cdn.txnkit.dev/logos/curated-seed-20260524/pilot-001/logos/spotify/icon_32-32x32.png",
        "format": "png",
        "width": 32,
        "height": 32,
        "background": "brand",
        "theme": "any",
        "shape": "square",
        "purpose": "transaction_feed_icon",
        "source": "curated",
        "confidence": 0.96
      },
      {
        "url": "https://cdn.txnkit.dev/logos/curated-seed-20260524/pilot-001/logos/spotify/icon_48-48x48.png",
        "format": "png",
        "width": 48,
        "height": 48,
        "background": "brand",
        "theme": "any",
        "shape": "square",
        "purpose": "transaction_feed_icon",
        "source": "curated",
        "confidence": 0.96
      },
      {
        "url": "https://cdn.txnkit.dev/logos/curated-seed-20260524/pilot-001/logos/spotify/icon_64-64x64.png",
        "format": "png",
        "width": 64,
        "height": 64,
        "background": "brand",
        "theme": "any",
        "shape": "square",
        "purpose": "transaction_feed_icon",
        "source": "curated",
        "confidence": 0.96
      },
      {
        "url": "https://cdn.txnkit.dev/logos/curated-seed-20260524/pilot-001/logos/spotify/profile_icon_128-128x128.png",
        "format": "png",
        "width": 128,
        "height": 128,
        "background": "brand",
        "theme": "any",
        "shape": "square",
        "purpose": "merchant_profile_icon",
        "source": "curated",
        "confidence": 0.96
      },
      {
        "url": "https://cdn.txnkit.dev/logos/curated-seed-20260524/pilot-001/logos/spotify/profile_icon_256-256x256.png",
        "format": "png",
        "width": 256,
        "height": 256,
        "background": "brand",
        "theme": "any",
        "shape": "square",
        "purpose": "merchant_profile_icon",
        "source": "curated",
        "confidence": 0.96
      }
    ],
    "warnings": []
  },
  "confidence": 0.94,
  "recurring_hint": false,
  "processor_hint": "paypal",
  "location_hint": null,
  "signals": [
    "applied_processor_paypal_star",
    "reviewed_merchant_match"
  ],
  "warnings": []
}

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

When to use

  • You need recurring transaction detection for transaction-feed UI, audit, or import review workflows.
  • You can send safe anonymized descriptors without customer PII or full statement text.
  • You want API-shaped output that a developer can inspect before wiring product UI.

When not to use

  • TxnKit does not manage subscriptions or cancel payments.
  • 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