Open Banking & Payment Intelligence API Documentation

POSThttps://www.brainiac.software/api/v1/payment-intelligence/open-banking-transaction-classify$0.04 USDC

Classify open-banking transactions

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-10-01",
      "amount": 3200,
      "currency": "GBP",
      "description": "ACME payroll salary",
      "direction": "credit",
      "category": "income"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-04",
      "amount": -62.4,
      "currency": "GBP",
      "merchant": "Tesco",
      "description": "Tesco groceries"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "classified",
  "itemCount": 3,
  "items": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-10-01",
      "amount": 3200,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "ACME payroll salary",
      "merchant": "",
      "status": "",
      "reference": "",
      "category": "income",
      "categorySource": "token_match",
      "suppliedCategory": "income",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Netflix subscription",
      "merchant": "Netflix",
      "status": "",
      "reference": "",
      "category": "subscription",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-04",
      "amount": -62.4,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Tesco groceries",
      "merchant": "Tesco",
      "status": "",
      "reference": "",
      "category": "groceries",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/open-banking-transaction-classify" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-10-01",
      "amount": 3200,
      "currency": "GBP",
      "description": "ACME payroll salary",
      "direction": "credit",
      "category": "income"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-04",
      "amount": -62.4,
      "currency": "GBP",
      "merchant": "Tesco",
      "description": "Tesco groceries"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/recurring-detect$0.05 USDC

Detect recurring payments

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-08-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-09-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix"
    },
    {
      "id": "TX-4",
      "accountId": "ACC-1",
      "date": "2026-10-10",
      "amount": -22.5,
      "currency": "GBP",
      "merchant": "Uber",
      "description": "Uber trip"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "detected",
  "recurringCount": 1,
  "items": [
    {
      "key": "netflix|14.99|gbp",
      "merchant": "Netflix",
      "currency": "GBP",
      "amount": 14.99,
      "direction": "debit",
      "occurrenceCount": 3,
      "averageGapDays": 30.5,
      "averageGapDaysSupplied": true,
      "gapStdev": 0.71,
      "gapStdevSupplied": true,
      "cadence": "monthly_candidate",
      "recurring": true,
      "firstDate": "2026-08-03",
      "lastDate": "2026-10-03",
      "transactionIds": [
        "TX-1",
        "TX-2",
        "TX-3"
      ],
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [
    {
      "kind": "observation",
      "code": "recurring_candidate",
      "subject": "Netflix",
      "detail": "A repeating amount and date spacing pattern was found in supplied transactions."
    }
  ],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/recurring-detect" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-08-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-09-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix"
    },
    {
      "id": "TX-4",
      "accountId": "ACC-1",
      "date": "2026-10-10",
      "amount": -22.5,
      "currency": "GBP",
      "merchant": "Uber",
      "description": "Uber trip"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/subscription-spend-identify$0.04 USDC

Identify subscription spend

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-08-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "Spotify subscription"
    },
    {
      "id": "TX-2",
      "date": "2026-09-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "Spotify subscription"
    },
    {
      "id": "TX-3",
      "date": "2026-10-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "Spotify subscription"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "identified",
  "subscriptionCount": 1,
  "estimatedMonthlySpend": 9.99,
  "estimatedMonthlySpendSupplied": true,
  "items": [
    {
      "merchant": "Spotify Premium",
      "amount": 9.99,
      "currency": "GBP",
      "occurrenceCount": 3,
      "averageGapDays": 30.5,
      "averageGapDaysSupplied": true,
      "cadence": "monthly_candidate",
      "estimatedMonthlySpend": 9.99,
      "estimatedMonthlySpendSupplied": true,
      "firstDate": "2026-08-01",
      "lastDate": "2026-10-01",
      "transactionIds": [
        "TX-1",
        "TX-2",
        "TX-3"
      ],
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [
    {
      "kind": "observation",
      "code": "recurring_candidate",
      "subject": "Spotify Premium",
      "detail": "A repeating amount and date spacing pattern was found in supplied transactions."
    }
  ],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/subscription-spend-identify" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-08-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "Spotify subscription"
    },
    {
      "id": "TX-2",
      "date": "2026-09-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "Spotify subscription"
    },
    {
      "id": "TX-3",
      "date": "2026-10-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "Spotify subscription"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/merchant-identity-resolve$0.04 USDC

Resolve merchant identity

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "merchants": [
    {
      "id": "MER-1",
      "name": "Netflix",
      "aliases": [
        "NFLX",
        "Netflix.com"
      ],
      "category": "subscription"
    }
  ],
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "description": "NFLX 1234",
      "merchant": "NFLX"
    },
    {
      "id": "TX-2",
      "date": "2026-10-04",
      "amount": -4.5,
      "currency": "GBP",
      "description": "LOCAL CAFE LTD"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "resolved",
  "matchedCount": 1,
  "items": [
    {
      "transactionId": "TX-1",
      "accountId": "",
      "date": "2026-10-03",
      "rawMerchant": "NFLX",
      "rawDescription": "NFLX 1234",
      "merchantId": "MER-1",
      "merchantName": "Netflix",
      "matched": true,
      "matchSource": "directory",
      "directoryCategory": "subscription",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-2",
      "accountId": "",
      "date": "2026-10-04",
      "rawMerchant": "",
      "rawDescription": "LOCAL CAFE LTD",
      "merchantId": "",
      "merchantName": "LOCAL CAFE LTD",
      "matched": false,
      "matchSource": "transaction_text",
      "directoryCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [
    {
      "kind": "observation",
      "code": "merchant_unmatched",
      "subject": "TX-2",
      "detail": "No supplied merchant directory entry matched. The transaction text was copied as the display name."
    }
  ],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/merchant-identity-resolve" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "merchants": [
    {
      "id": "MER-1",
      "name": "Netflix",
      "aliases": [
        "NFLX",
        "Netflix.com"
      ],
      "category": "subscription"
    }
  ],
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "description": "NFLX 1234",
      "merchant": "NFLX"
    },
    {
      "id": "TX-2",
      "date": "2026-10-04",
      "amount": -4.5,
      "currency": "GBP",
      "description": "LOCAL CAFE LTD"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/income-stability-analyze$0.05 USDC

Analyze income stability

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-08-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "Employer payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-2",
      "date": "2026-09-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "Employer payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-3",
      "date": "2026-10-28",
      "amount": 3100,
      "currency": "GBP",
      "description": "Employer payroll salary",
      "direction": "credit"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "analyzed",
  "creditCount": 3,
  "monthCount": 3,
  "averageMonthlyIncome": 3033.33,
  "averageMonthlyIncomeSupplied": true,
  "incomeStdev": 57.74,
  "incomeStdevSupplied": true,
  "coefficientOfVariation": 0.019,
  "coefficientOfVariationSupplied": true,
  "stability": "stable",
  "months": [
    {
      "month": "2026-08",
      "total": 3000
    },
    {
      "month": "2026-09",
      "total": 3000
    },
    {
      "month": "2026-10",
      "total": 3100
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/income-stability-analyze" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-08-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "Employer payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-2",
      "date": "2026-09-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "Employer payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-3",
      "date": "2026-10-28",
      "amount": 3100,
      "currency": "GBP",
      "description": "Employer payroll salary",
      "direction": "credit"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/affordability-data-calculate$0.05 USDC

Calculate affordability data

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-08-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "salary payroll",
      "direction": "credit"
    },
    {
      "id": "TX-2",
      "date": "2026-09-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "salary payroll",
      "direction": "credit"
    },
    {
      "id": "TX-3",
      "date": "2026-10-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "salary payroll",
      "direction": "credit"
    },
    {
      "id": "TX-4",
      "date": "2026-08-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "subscription"
    },
    {
      "id": "TX-5",
      "date": "2026-09-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "subscription"
    },
    {
      "id": "TX-6",
      "date": "2026-10-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "subscription"
    },
    {
      "id": "TX-7",
      "date": "2026-10-05",
      "amount": -400,
      "currency": "GBP",
      "description": "rent landlord",
      "direction": "debit"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "calculated",
  "inflowTotal": 9000,
  "inflowTotalSupplied": true,
  "outflowTotal": 429.97,
  "outflowTotalSupplied": true,
  "netCashflow": 8570.03,
  "netCashflowSupplied": true,
  "averageOutflow": 107.49,
  "averageOutflowSupplied": true,
  "estimatedMonthlySubscriptions": 9.99,
  "estimatedMonthlySubscriptionsSupplied": true,
  "averageMonthlyIncome": 3000,
  "averageMonthlyIncomeSupplied": true,
  "outflowToIncomeRatio": 0.0392,
  "outflowToIncomeRatioSupplied": true,
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [
    {
      "kind": "observation",
      "code": "recurring_candidate",
      "subject": "salary payroll",
      "detail": "A repeating amount and date spacing pattern was found in supplied transactions."
    },
    {
      "kind": "observation",
      "code": "recurring_candidate",
      "subject": "Spotify Premium",
      "detail": "A repeating amount and date spacing pattern was found in supplied transactions."
    }
  ],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/affordability-data-calculate" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-08-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "salary payroll",
      "direction": "credit"
    },
    {
      "id": "TX-2",
      "date": "2026-09-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "salary payroll",
      "direction": "credit"
    },
    {
      "id": "TX-3",
      "date": "2026-10-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "salary payroll",
      "direction": "credit"
    },
    {
      "id": "TX-4",
      "date": "2026-08-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "subscription"
    },
    {
      "id": "TX-5",
      "date": "2026-09-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "subscription"
    },
    {
      "id": "TX-6",
      "date": "2026-10-01",
      "amount": -9.99,
      "currency": "GBP",
      "merchant": "Spotify Premium",
      "description": "subscription"
    },
    {
      "id": "TX-7",
      "date": "2026-10-05",
      "amount": -400,
      "currency": "GBP",
      "description": "rent landlord",
      "direction": "debit"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/failure-pattern-analyze$0.04 USDC

Analyze payment failure patterns

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-10-02",
      "amount": -50,
      "currency": "GBP",
      "merchant": "UtilityCo",
      "description": "Direct debit failed insufficient funds",
      "status": "failed"
    },
    {
      "id": "TX-2",
      "date": "2026-10-09",
      "amount": -50,
      "currency": "GBP",
      "merchant": "UtilityCo",
      "description": "Direct debit declined",
      "status": "declined"
    },
    {
      "id": "TX-3",
      "date": "2026-10-10",
      "amount": -12,
      "currency": "GBP",
      "merchant": "Shop",
      "description": "Card purchase",
      "status": "posted"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "analyzed",
  "failureCount": 2,
  "items": [
    {
      "id": "TX-1",
      "accountId": "",
      "date": "2026-10-02",
      "amount": -50,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Direct debit failed insufficient funds",
      "merchant": "UtilityCo",
      "status": "failed",
      "reasonToken": "failed",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-2",
      "accountId": "",
      "date": "2026-10-09",
      "amount": -50,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Direct debit declined",
      "merchant": "UtilityCo",
      "status": "declined",
      "reasonToken": "declined",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "patterns": [
    {
      "merchant": "utilityco",
      "failureCount": 2
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [
    {
      "kind": "observation",
      "code": "payment_failures",
      "subject": "",
      "detail": "Failure-like statuses or wording were found in supplied transactions only."
    }
  ],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/failure-pattern-analyze" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-10-02",
      "amount": -50,
      "currency": "GBP",
      "merchant": "UtilityCo",
      "description": "Direct debit failed insufficient funds",
      "status": "failed"
    },
    {
      "id": "TX-2",
      "date": "2026-10-09",
      "amount": -50,
      "currency": "GBP",
      "merchant": "UtilityCo",
      "description": "Direct debit declined",
      "status": "declined"
    },
    {
      "id": "TX-3",
      "date": "2026-10-10",
      "amount": -12,
      "currency": "GBP",
      "merchant": "Shop",
      "description": "Card purchase",
      "status": "posted"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/transaction-categorization-correct$0.04 USDC

Correct transaction categorization

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix",
      "category": "shopping"
    },
    {
      "id": "TX-2",
      "date": "2026-10-04",
      "amount": -20,
      "currency": "GBP",
      "merchant": "Tesco",
      "description": "Tesco"
    }
  ],
  "corrections": [
    {
      "transactionId": "TX-1",
      "from": "shopping",
      "to": "subscription"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "corrected",
  "correctionCount": 1,
  "appliedCount": 1,
  "items": [
    {
      "transactionId": "TX-1",
      "merchant": "Netflix",
      "from": "subscription",
      "to": "subscription",
      "applied": true,
      "matchedBy": "transaction_id",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/transaction-categorization-correct" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "transactions": [
    {
      "id": "TX-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "Netflix",
      "description": "Netflix",
      "category": "shopping"
    },
    {
      "id": "TX-2",
      "date": "2026-10-04",
      "amount": -20,
      "currency": "GBP",
      "merchant": "Tesco",
      "description": "Tesco"
    }
  ],
  "corrections": [
    {
      "transactionId": "TX-1",
      "from": "shopping",
      "to": "subscription"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/account-cashflow-compare$0.05 USDC

Compare account cashflow

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "accounts": [
    {
      "id": "ACC-1",
      "name": "Current",
      "currency": "GBP"
    },
    {
      "id": "ACC-2",
      "name": "Savings",
      "currency": "GBP"
    }
  ],
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-10-01",
      "amount": 1000,
      "currency": "GBP",
      "direction": "credit",
      "description": "salary"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-10-02",
      "amount": -200,
      "currency": "GBP",
      "direction": "debit",
      "description": "rent"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-2",
      "date": "2026-10-01",
      "amount": 100,
      "currency": "GBP",
      "direction": "credit",
      "description": "interest credit"
    },
    {
      "id": "TX-4",
      "accountId": "ACC-2",
      "date": "2026-10-03",
      "amount": -20,
      "currency": "GBP",
      "direction": "debit",
      "description": "fee"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "compared",
  "accountCount": 2,
  "compatiblePairCount": 1,
  "accounts": [
    {
      "accountId": "ACC-1",
      "name": "Current",
      "currency": "GBP",
      "transactionCount": 2,
      "inflow": 1000,
      "outflow": 200,
      "net": 800,
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "accountId": "ACC-2",
      "name": "Savings",
      "currency": "GBP",
      "transactionCount": 2,
      "inflow": 100,
      "outflow": 20,
      "net": 80,
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "pairs": [
    {
      "leftAccountId": "ACC-1",
      "rightAccountId": "ACC-2",
      "compatible": true,
      "reason": "Compared because both accounts share the same supplied currency.",
      "leftNet": 800,
      "rightNet": 80,
      "netDelta": 720,
      "netDeltaSupplied": true
    }
  ],
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/account-cashflow-compare" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "accounts": [
    {
      "id": "ACC-1",
      "name": "Current",
      "currency": "GBP"
    },
    {
      "id": "ACC-2",
      "name": "Savings",
      "currency": "GBP"
    }
  ],
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-10-01",
      "amount": 1000,
      "currency": "GBP",
      "direction": "credit",
      "description": "salary"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-10-02",
      "amount": -200,
      "currency": "GBP",
      "direction": "debit",
      "description": "rent"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-2",
      "date": "2026-10-01",
      "amount": 100,
      "currency": "GBP",
      "direction": "credit",
      "description": "interest credit"
    },
    {
      "id": "TX-4",
      "accountId": "ACC-2",
      "date": "2026-10-03",
      "amount": -20,
      "currency": "GBP",
      "direction": "debit",
      "description": "fee"
    }
  ]
}
JSON

POSThttps://www.brainiac.software/api/v1/payment-intelligence/financial-data-quality-audit$0.12 USDC

Audit financial data quality

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

Body

Field	Required	Notes
`text`	No	string
`json`	No	string
`csv`	No	string
`file`	No	object; Object
`accounts`	No	array; Array
`transactions`	No	array; Array
`merchants`	No	array; Array
`corrections`	No	array; Array
`asOf`	No	string

Request exampleJSON

{
  "asOf": "2026-11-01",
  "accounts": [
    {
      "id": "ACC-1",
      "name": "Current",
      "currency": "GBP"
    },
    {
      "id": "ACC-2",
      "name": "Savings",
      "currency": "GBP"
    }
  ],
  "merchants": [
    {
      "id": "MER-1",
      "name": "Netflix",
      "aliases": [
        "NFLX"
      ],
      "category": "subscription"
    }
  ],
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-08-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-09-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-4",
      "accountId": "ACC-1",
      "date": "2026-08-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "NFLX",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-5",
      "accountId": "ACC-1",
      "date": "2026-09-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "NFLX",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-6",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "NFLX",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-7",
      "accountId": "ACC-1",
      "date": "2026-10-09",
      "amount": -50,
      "currency": "GBP",
      "merchant": "UtilityCo",
      "description": "Direct debit failed",
      "status": "failed"
    },
    {
      "id": "TX-8",
      "accountId": "ACC-2",
      "date": "2026-10-01",
      "amount": 50,
      "currency": "GBP",
      "description": "interest credit",
      "direction": "credit"
    }
  ],
  "corrections": [
    {
      "transactionId": "TX-6",
      "to": "subscription"
    }
  ]
}

Response exampleJSON

{
  "checkedAt": "2026-11-04T21:00:00.000Z",
  "status": "audited",
  "asOf": "2026-11-01",
  "transactionCount": 8,
  "recurringCount": 2,
  "subscriptionCount": 1,
  "matchedMerchantCount": 3,
  "failureCount": 1,
  "issueCount": 0,
  "incomeStability": "stable",
  "classification": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-08-28",
      "amount": 3000,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "payroll salary",
      "merchant": "",
      "status": "",
      "reference": "",
      "category": "income",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-09-28",
      "amount": 3000,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "payroll salary",
      "merchant": "",
      "status": "",
      "reference": "",
      "category": "income",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-28",
      "amount": 3000,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "payroll salary",
      "merchant": "",
      "status": "",
      "reference": "",
      "category": "income",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-4",
      "accountId": "ACC-1",
      "date": "2026-08-03",
      "amount": -14.99,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Netflix subscription",
      "merchant": "NFLX",
      "status": "",
      "reference": "",
      "category": "subscription",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-5",
      "accountId": "ACC-1",
      "date": "2026-09-03",
      "amount": -14.99,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Netflix subscription",
      "merchant": "NFLX",
      "status": "",
      "reference": "",
      "category": "subscription",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-6",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Netflix subscription",
      "merchant": "NFLX",
      "status": "",
      "reference": "",
      "category": "subscription",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-7",
      "accountId": "ACC-1",
      "date": "2026-10-09",
      "amount": -50,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Direct debit failed",
      "merchant": "UtilityCo",
      "status": "failed",
      "reference": "",
      "category": "utilities",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "id": "TX-8",
      "accountId": "ACC-2",
      "date": "2026-10-01",
      "amount": 50,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "interest credit",
      "merchant": "",
      "status": "",
      "reference": "",
      "category": "income",
      "categorySource": "token_match",
      "suppliedCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "recurring": [
    {
      "key": "payroll salary|3000|gbp",
      "merchant": "payroll salary",
      "currency": "GBP",
      "amount": 3000,
      "direction": "credit",
      "occurrenceCount": 3,
      "averageGapDays": 30.5,
      "averageGapDaysSupplied": true,
      "gapStdev": 0.71,
      "gapStdevSupplied": true,
      "cadence": "monthly_candidate",
      "recurring": true,
      "firstDate": "2026-08-28",
      "lastDate": "2026-10-28",
      "transactionIds": [
        "TX-1",
        "TX-2",
        "TX-3"
      ],
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "key": "netflix|14.99|gbp",
      "merchant": "Netflix",
      "currency": "GBP",
      "amount": 14.99,
      "direction": "debit",
      "occurrenceCount": 3,
      "averageGapDays": 30.5,
      "averageGapDaysSupplied": true,
      "gapStdev": 0.71,
      "gapStdevSupplied": true,
      "cadence": "monthly_candidate",
      "recurring": true,
      "firstDate": "2026-08-03",
      "lastDate": "2026-10-03",
      "transactionIds": [
        "TX-4",
        "TX-5",
        "TX-6"
      ],
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "subscriptions": [
    {
      "merchant": "Netflix",
      "amount": 14.99,
      "currency": "GBP",
      "occurrenceCount": 3,
      "averageGapDays": 30.5,
      "averageGapDaysSupplied": true,
      "cadence": "monthly_candidate",
      "estimatedMonthlySpend": 14.99,
      "estimatedMonthlySpendSupplied": true,
      "firstDate": "2026-08-03",
      "lastDate": "2026-10-03",
      "transactionIds": [
        "TX-4",
        "TX-5",
        "TX-6"
      ],
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "merchants": [
    {
      "transactionId": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-08-28",
      "rawMerchant": "",
      "rawDescription": "payroll salary",
      "merchantId": "",
      "merchantName": "payroll salary",
      "matched": false,
      "matchSource": "transaction_text",
      "directoryCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-09-28",
      "rawMerchant": "",
      "rawDescription": "payroll salary",
      "merchantId": "",
      "merchantName": "payroll salary",
      "matched": false,
      "matchSource": "transaction_text",
      "directoryCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-28",
      "rawMerchant": "",
      "rawDescription": "payroll salary",
      "merchantId": "",
      "merchantName": "payroll salary",
      "matched": false,
      "matchSource": "transaction_text",
      "directoryCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-4",
      "accountId": "ACC-1",
      "date": "2026-08-03",
      "rawMerchant": "NFLX",
      "rawDescription": "Netflix subscription",
      "merchantId": "MER-1",
      "merchantName": "Netflix",
      "matched": true,
      "matchSource": "directory",
      "directoryCategory": "subscription",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-5",
      "accountId": "ACC-1",
      "date": "2026-09-03",
      "rawMerchant": "NFLX",
      "rawDescription": "Netflix subscription",
      "merchantId": "MER-1",
      "merchantName": "Netflix",
      "matched": true,
      "matchSource": "directory",
      "directoryCategory": "subscription",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-6",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "rawMerchant": "NFLX",
      "rawDescription": "Netflix subscription",
      "merchantId": "MER-1",
      "merchantName": "Netflix",
      "matched": true,
      "matchSource": "directory",
      "directoryCategory": "subscription",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-7",
      "accountId": "ACC-1",
      "date": "2026-10-09",
      "rawMerchant": "UtilityCo",
      "rawDescription": "Direct debit failed",
      "merchantId": "",
      "merchantName": "UtilityCo",
      "matched": false,
      "matchSource": "transaction_text",
      "directoryCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "transactionId": "TX-8",
      "accountId": "ACC-2",
      "date": "2026-10-01",
      "rawMerchant": "",
      "rawDescription": "interest credit",
      "merchantId": "",
      "merchantName": "interest credit",
      "matched": false,
      "matchSource": "transaction_text",
      "directoryCategory": "",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "income": {
    "averageMonthlyIncome": 3016.67,
    "averageMonthlyIncomeSupplied": true,
    "stability": "stable",
    "months": [
      {
        "month": "2026-08",
        "total": 3000
      },
      {
        "month": "2026-09",
        "total": 3000
      },
      {
        "month": "2026-10",
        "total": 3050
      }
    ]
  },
  "affordability": {
    "netCashflow": 8955.03,
    "netCashflowSupplied": true,
    "outflowToIncomeRatio": 0.0128,
    "outflowToIncomeRatioSupplied": true
  },
  "failures": [
    {
      "id": "TX-7",
      "accountId": "ACC-1",
      "date": "2026-10-09",
      "amount": -50,
      "amountSupplied": true,
      "currency": "GBP",
      "description": "Direct debit failed",
      "merchant": "UtilityCo",
      "status": "failed",
      "reasonToken": "failed",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "corrections": [
    {
      "transactionId": "TX-6",
      "merchant": "NFLX",
      "from": "subscription",
      "to": "subscription",
      "applied": true,
      "matchedBy": "transaction_id",
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "cashflow": [
    {
      "accountId": "ACC-1",
      "name": "Current",
      "currency": "GBP",
      "transactionCount": 7,
      "inflow": 9000,
      "outflow": 94.97,
      "net": 8905.03,
      "bankConnected": false,
      "openBankingConnected": false
    },
    {
      "accountId": "ACC-2",
      "name": "Savings",
      "currency": "GBP",
      "transactionCount": 1,
      "inflow": 50,
      "outflow": 0,
      "net": 50,
      "bankConnected": false,
      "openBankingConnected": false
    }
  ],
  "quality": {
    "missingAmountCount": 0,
    "missingDateCount": 0,
    "missingAccountCount": 0,
    "missingCurrencyCount": 0,
    "duplicateIdCount": 0,
    "issueCount": 0
  },
  "bankConnected": false,
  "openBankingConnected": false,
  "credentialsRequired": false,
  "incomeInvented": false,
  "affordabilityDecision": false,
  "findings": [
    {
      "kind": "observation",
      "code": "recurring_candidate",
      "subject": "payroll salary",
      "detail": "A repeating amount and date spacing pattern was found in supplied transactions."
    },
    {
      "kind": "observation",
      "code": "recurring_candidate",
      "subject": "Netflix",
      "detail": "A repeating amount and date spacing pattern was found in supplied transactions."
    },
    {
      "kind": "observation",
      "code": "merchant_unmatched",
      "subject": "TX-1",
      "detail": "No supplied merchant directory entry matched. The transaction text was copied as the display name."
    },
    {
      "kind": "observation",
      "code": "merchant_unmatched",
      "subject": "TX-2",
      "detail": "No supplied merchant directory entry matched. The transaction text was copied as the display name."
    },
    {
      "kind": "observation",
      "code": "merchant_unmatched",
      "subject": "TX-3",
      "detail": "No supplied merchant directory entry matched. The transaction text was copied as the display name."
    },
    {
      "kind": "observation",
      "code": "merchant_unmatched",
      "subject": "TX-7",
      "detail": "No supplied merchant directory entry matched. The transaction text was copied as the display name."
    },
    {
      "kind": "observation",
      "code": "merchant_unmatched",
      "subject": "TX-8",
      "detail": "No supplied merchant directory entry matched. The transaction text was copied as the display name."
    },
    {
      "kind": "observation",
      "code": "payment_failures",
      "subject": "",
      "detail": "Failure-like statuses or wording were found in supplied transactions only."
    }
  ],
  "limitations": [
    "Transactions, accounts, merchants, and category corrections are copied only from labeled fields supplied by the caller.",
    "No bank account is connected and no Open Banking credentials are required or used.",
    "Income, affordability, and merchant identity are derived only from supplied rows. Missing values are not invented.",
    "Recurring and subscription detection use date spacing and description/merchant similarity from the supplied set only.",
    "An affordability or credit decision is never produced."
  ]
}

cURL

curl -i -X POST "https://www.brainiac.software/api/v1/payment-intelligence/financial-data-quality-audit" \
  -H 'content-type: application/json' \
  -H 'Idempotency-Key: <fresh-64-character-random-hex-key>' \
  --data-binary @- <<'JSON'
{
  "asOf": "2026-11-01",
  "accounts": [
    {
      "id": "ACC-1",
      "name": "Current",
      "currency": "GBP"
    },
    {
      "id": "ACC-2",
      "name": "Savings",
      "currency": "GBP"
    }
  ],
  "merchants": [
    {
      "id": "MER-1",
      "name": "Netflix",
      "aliases": [
        "NFLX"
      ],
      "category": "subscription"
    }
  ],
  "transactions": [
    {
      "id": "TX-1",
      "accountId": "ACC-1",
      "date": "2026-08-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-2",
      "accountId": "ACC-1",
      "date": "2026-09-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-3",
      "accountId": "ACC-1",
      "date": "2026-10-28",
      "amount": 3000,
      "currency": "GBP",
      "description": "payroll salary",
      "direction": "credit"
    },
    {
      "id": "TX-4",
      "accountId": "ACC-1",
      "date": "2026-08-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "NFLX",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-5",
      "accountId": "ACC-1",
      "date": "2026-09-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "NFLX",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-6",
      "accountId": "ACC-1",
      "date": "2026-10-03",
      "amount": -14.99,
      "currency": "GBP",
      "merchant": "NFLX",
      "description": "Netflix subscription"
    },
    {
      "id": "TX-7",
      "accountId": "ACC-1",
      "date": "2026-10-09",
      "amount": -50,
      "currency": "GBP",
      "merchant": "UtilityCo",
      "description": "Direct debit failed",
      "status": "failed"
    },
    {
      "id": "TX-8",
      "accountId": "ACC-2",
      "date": "2026-10-01",
      "amount": 50,
      "currency": "GBP",
      "description": "interest credit",
      "direction": "credit"
    }
  ],
  "corrections": [
    {
      "transactionId": "TX-6",
      "to": "subscription"
    }
  ]
}
JSON