Turn raw transaction data into clean, enriched payment information that customers can actually recognise and trust.
A simple REST API that transforms messy payment data into structured, enriched transaction information in real time.
High-quality matching that improves merchant recognition, reduces ambiguity, and increases trust in transaction data.
Works across multiple payment schemes and data formats, making integration flexible across different banking environments.
Uses AI models and data intelligence to improve merchant identification, categorisation, and overall 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.
Resolve ambiguous transaction strings into verified merchant identities, complete with consistent naming and official brand assets.
Move beyond basic MCC codes with multilevel categorisation. Automatically assign transactions to a structured hierarchy of categories and subcategories for superior financial visibility.
Unlock the exact physical context of every transaction with high-fidelity geolocation data and verified addresses.
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.
Help users understand their environmental impact by enriching transactions with estimated carbon footprint data.
Real-world impact
See how leading financial organisations use Snowdrop's enrichment API to power their products.
Featured · Transaction EnrichmentKroo 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.
London, United Kingdom – 7th April, 2026
Every transaction, payment, or card swipe reveals something about a customer’s life. Yet even with all this information, banks often struggle to understand what it truly means for the people behind the numbers.
Visa is following Mastercard’s AN4569 mandate by introducing new global requirements for enhanced merchant data. Following Mastercard's launch of its enhanced payment data initiative in Europe in 2023, Visa has announced a European rollout that will require issuers to display…
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.
Immediate access to our documentation and sandbox environment via secure API keys.
Simple mapping of your raw transaction logs to our REST API, with no personal data (PII) required.
Rigorous testing phase to ensure high accuracy (95%+) in merchant and category mapping.
Full production deployment on our secure, Google Cloud-native infrastructure, scalable for millions of transactions.
Everything you need to know about integrating and using transaction enrichment, from data quality to implementation.
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.
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.
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.
Yes — verified merchant logos are included with every enriched transaction response.
Sandbox access includes support for testing with your own redacted transaction samples.
Geolocation accuracy typically exceeds 98% at the street level for supported regions.
Discover how to transform your business with transaction enrichment.
