Solutions

TRANSATION ENRICHMENT

From raw payment datato clear insights.

Turn raw transaction data into clean, enriched payment information that customers can actually recognise and trust.

  • REST API

    A simple REST API that transforms messy payment data into structured, enriched transaction information in real time.

  • Data Accuracy

    High-quality matching that improves merchant recognition, reduces ambiguity, and increases trust in transaction data.

  • Scheme Agnostic

    Works across multiple payment schemes and data formats, making integration flexible across different banking environments.

  • AI Powered Enrichment

    Uses AI models and data intelligence to improve merchant identification, categorisation, and overall transaction clarity.

A complete toolkitfor transaction clarity.

Our enrichment API turns raw payment data into clear, structured and reliable transaction information. It connects fragmented data points and delivers consistent merchant, location and category insights across every digital channel.

  1. Move beyond basic MCC codes with multilevel categorisation. Automatically assign transactions to a structured hierarchy of categories and subcategories for superior financial visibility.

    • Consistent merchant category framework
    • Accurate subcategory tagging for granular detail
    • Optimised for budgeting financial apps
    • Global coverage across all merchant types
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  2. Unlock the exact physical context of every transaction with high-fidelity geolocation data and verified addresses.

    • Parsed store addresses and postcodes
    • Precise latitude and longitude coordinates
    • Store-specific identification for large chains
    • Map-ready data for integrated user experiences
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  3. Bridge the gap between banks and retailers by surfacing merchant phone numbers and website URLs. Empower users to resolve order queries directly with the merchant, significantly reducing inbound support volume and chargeback rates.

    • Verified phone numbers, websites, and support URLs
    • Continuously verified sources
    • Reduces "unrecognised transaction" support calls
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  4. Help users understand their environmental impact by enriching transactions with estimated carbon footprint data.

    • Provide carbon footprint estimates per transaction
    • Identify brands aligned with the UN Global Compact
    • Drive engagement through ethical spending
    • Merchant ESG ratings and performance scores
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Real-world impact

Success Stories

See how leading financial organisations use Snowdrop's enrichment API to power their products.

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Kroo Bank: Clearer Transaction Insights with Location-Powered EnrichmentFeatured · Transaction Enrichment

Kroo Bank: Clearer Transaction Insights with Location-Powered Enrichment

Kroo Bank , a UK-based digital bank, enhanced its in-app transaction experience by enriching raw payment data with clean merchant names, logos and location insights.

Ana Cantero

A simple pathto integration

Our developer-first approach makes it easy to move from sandbox to production. Most partners reach ROI in under 12 weeks thanks to a fast API integration process.

  1. API Access

    Immediate access to our documentation and sandbox environment via secure API keys.

  2. Data Mapping

    Simple mapping of your raw transaction logs to our REST API, with no personal data (PII) required.

  3. Testing & Validation

    Rigorous testing phase to ensure high accuracy (95%+) in merchant and category mapping.

  4. Go Live

    Full production deployment on our secure, Google Cloud-native infrastructure, scalable for millions of transactions.

Frequently Asked Questions

Everything you need to know about integrating and using transaction enrichment, from data quality to implementation.

What makes the enrichment API different from traditional MCC-based categorisation?

Traditional MCC codes are often too broad or inaccurate. MRS bypasses these by using AI to analyse the individual merchant data, providing more granular sub-categories and custom attributes tailored to the bank’s needs.

How secure is Snowdrop's enrichment API?

The system is built with a privacy-by-design architecture at its core, ensuring your data remains protected at every stage of the enrichment process.

  • Zero PII Requirement: Our API does not require any Personally Identifiable Information (PII) from your customers—only the raw transaction string is needed for enrichment.
  • ISO 27001 Certified: We adhere to the highest international standards for information security management systems, ensuring rigorous controls and risk management.
  • GDPR Compliant: Fully aligned with UK and EU data protection regulations to guarantee data privacy and sovereignty.
How fast can we integrate the API?

MRS is designed for rapid deployment. With our "Plug & Play" model and secure API keys, technical teams can often move from setup to testing in just a few hours.

Does Snowdrop provide merchant logos?

Yes — verified merchant logos are included with every enriched transaction response.

Can I test with my own transaction data?

Sandbox access includes support for testing with your own redacted transaction samples.

How accurate is the geolocation data?

Geolocation accuracy typically exceeds 98% at the street level for supported regions.

Ready to get started?

Discover how to transform your business with transaction enrichment.