# Open Banking & Payment Intelligence API

> Classify supplied transactions, detect recurring spend and subscriptions, resolve merchants, and summarize cashflow quality without connecting to a bank.

- Product: https://www.brainiac.software/api/payment-intelligence
- Docs: https://www.brainiac.software/api/payment-intelligence/docs
- OpenAPI: https://www.brainiac.software/api/payment-intelligence/openapi.json
- Contact: support@brainiac.software (https://www.brainiac.software/contact)

## Operations

- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-open-banking-transaction-classify
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-recurring-detect
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-subscription-spend-identify
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-merchant-identity-resolve
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-income-stability-analyze
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-affordability-data-calculate
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-failure-pattern-analyze
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-transaction-categorization-correct
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-account-cashflow-compare
- POST /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. Docs: https://www.brainiac.software/api/payment-intelligence/docs#payment-intelligence-financial-data-quality-audit