Open Banking & Payment Intelligence API

Classify supplied transactions using description, merchant, category, and amount-sign hints. No bank connection is used.

Detect repeating merchant and amount patterns from supplied transaction dates. Cadence is labeled from spacing only.

Identify subscription candidates from recurring cadence and subscription wording in supplied merchants or descriptions.

Match transaction merchants against a caller-supplied directory. Unmatched names keep the supplied transaction text.

Summarize labeled income credits by month and report variability from supplied amounts only. Income is never invented.

Calculate inflow, outflow, subscription estimates, and income ratios from supplied transactions. No affordability decision is returned.

Find failed, declined, or returned payment wording and statuses in supplied transactions and group counts by merchant text.

Apply caller-supplied category corrections to matching transaction ids or merchants without inventing categories.

Consolidate inflow and outflow by account and compare pairs only when currencies match.

Combine classification, recurring spend, merchants, income, failures, corrections, cashflow, and missing-field checks from supplied records.