Definition of Categories

Yapily uses two category formats depending on when your integration was set up:

New clients (onboarded from April 2026) receive categories in a structured format: tier1 - tier2 - tier3
Existing clients continue to receive the original category values unchanged

Updated Categories (New Clients)
Original Categories (Existing Clients)

Consumer Accounts

Incoming (Credit)

Category	Description
`credit - adjustment - adjustment`	Change made to financial records to correct errors or to accurately reflect transactions resulting in additional funds added. Adjustments can be made for various reasons, such as reconciling accounts, accounting for depreciation, or updating financial statements to comply with regulations.
`credit - commerce - cashback and loyalty rewards`	Money received as a rebate or refund from purchases made using a debit or credit card. Cashback is typically a percentage of the purchase amount and is credited back to the cardholder’s account.
`credit - commerce - chargeback`	Money returned to the account due to a chargeback transaction, which occurs when a customer disputes a charge with their bank or credit card issuer.
`credit - commerce - marketplace payout`	Revenue generated from online sales or transactions. This could include payments received from selling products or services through an e-commerce, or streaming platform or website (e.g on ebay).
`credit - commerce - refund`	Money returned from a previous purchase, covering all types of refunds and reversals.
`credit - credits and loans - grants, stipends and scholarships`	Funds received as grants, stipends, or scholarships for education, research, or financial assistance.
`credit - credits and loans - insurance payout`	Money received from an insurance provider as a claim payout for covered losses or damages. Unemployment insurance payout is also covered by this category.
`credit - credits and loans - loan disbursement`	Funds received as a loan from a lender — including personal, student loans as well as other types of business loans not specified elsewhere.
`credit - gambling - gambling income`	Money obtained from gambling activities such as casino winnings, lottery prizes, or betting earnings.
`credit - government - state benefits and allowances`	Payments from government programs — e.g., child benefits, universal credit, jobseeker’s allowance, or housing support.
`credit - government - tax refund / rebate`	Refund received from overpayment of taxes to government authorities, such as federal or state tax refunds.
`credit - government - other`	Any other type of incoming payment from government sources.
`credit - income - self-employment and business receipts`	Money earned from self-employment or freelance work. This could include payments received for freelance projects, consulting services, or contract work.
`credit - income - salary and wages`	Income earned from employment, including salaries, bonuses, and wages.
`credit - income - pension`	Incoming pension, including state, occupational and private pension.
`credit - income - property and rental income`	Revenue earned from renting out real estate.
`credit - investments - investment income`	Funds withdrawn from investment platforms — includes dividends, investment income, and proceeds from asset sales.
`credit - investments - cryptocurrency withdrawals`	Funds withdrawn from crypto platforms — includes dividends, investment income, and proceeds from asset sales.
`credit - other - other`	Other or uncategorized income or credit transaction.
`credit - transfers and deposits - currency exchange`	Incoming transfers related to currency exchange.
`credit - transfers and deposits - cash deposit`	Cash deposited into an account via ATM, post office, or branch.
`credit - transfers and deposits - account transfer`	Transfer of funds between personal or external accounts.
`credit - transfers and deposits - peer to peer transfer`	Incoming transfers from other individuals via peer-to-peer or mobile payment apps.
`credit - transfers and deposits - savings`	Transfer of funds from savings account.

Outgoing (Debit)

Category	Description
`debit - culture - courses & certifications`	Online and in-person education providers — e.g., Coursera, Udemy, General Assembly, professional certification fees.
`debit - culture - other education`	Other education-related payments such as school materials or uniforms.
`debit - culture - education`	Tuition, school fees, and educational materials.
`debit - culture - musems`	Entry fees, memberships, or donations to museums or galleries.
`debit - donations - charity and non profit organizations`	Donations to charitable organizations such as UNICEF, Oxfam, or Red Cross.
`debit - entertainment - streaming platforms and bundles`	Subscriptions to streaming services such as Netflix, Spotify, or Disney+.
`debit - entertainment - other entertainment`	Miscellaneous entertainment-related spending.
`debit - entertainment - cinemas and theaters`	Tickets for cinema or theatre performances.
`debit - entertainment - other leisure activities`	Spending on recreational outings like bowling, karaoke, or escape rooms.
`debit - entertainment - theme parks`	Tickets or memberships to theme parks.
`debit - entertainment - tickets and events`	Event and concert ticket purchases.
`debit - entertainment - video games and inapp purchases`	Console, PC, or mobile game purchases — e.g., PlayStation Store, Xbox Live, Steam.
`debit - entertainment - gambling and betting activities`	Gambling expenditures such as betting or lottery tickets.
`debit - fees and charges - bank and transaction fees`	Bank service fees including account maintenance and ATM charges as well as transaction fees from payment processors such as Stripe, PayPal, Adyen, or Square.
`debit - fees and charges - overdraft fees`	Fees charged for insufficient funds or overdrafts.
`debit - fees and charges - late payment and penalties`	Charges applied for late payments or missed loan installments.
`debit - financial products and services - credit card`	Payments made toward a credit card balance or annual fee.
`debit - financial products and services - bnpl and alternative credit`	Payments for buy-now-pay-later or installment plans.
`debit - financial products and services - insurance premium`	Premiums for health, life, home, or auto insurance.
`debit - financial products and services - loan repayments`	Payments towards the repayment of loans including personal loans, payday loans, etc. (does not include auto loans, student loans and pawn loans).
`debit - financial products and services - auto loan repayments`	Payments towards the repayment of car loans.
`debit - financial products and services - student loan repayments`	Payments towards the repayment of student loans.
`debit - financial products and services - mortgage`	Payment towards mortgage loans for residential properties.
`debit - financial products and services - pension contributions`	Contributions to private or employer pension schemes.
`debit - food and drinks - cafes and bakeries`	Food and drink purchases from cafes, coffee shops, or bakeries.
`debit - food and drinks - food and drinks`	Meals and drinks at restaurants, bars, or nightclubs.
`debit - food and drinks - takeaway and delivery`	Food delivery services.
`debit - food and drinks - meal subscriptions`	Food subscriptions.
`debit - government - government and local government`	Payments for public services such as visa, passport, unemployment benefit, parking permits.
`debit - government - taxes`	Taxes; HMRC payments & Local council taxes, etc.
`debit - groceries - supermarkets, convenience and other grocery stores`	Spending on groceries from supermarkets or local convenience stores.
`debit - groceries - liquor stores`	Purchases of alcoholic beverages from liquor stores.
`debit - health and beauty - nutrition and supplements`	Vitamins, protein powders, diet products — e.g., Holland & Barrett, MyProtein, Bulk, Gymshark Nutrition.
`debit - health and beauty - other`	Miscellaneous wellness or beauty purchases.
`debit - health and beauty - pharmacies and drugstores`	Purchases of medicine, skincare, or beauty products at pharmacies or drugstores.
`debit - health and beauty - healthcare`	Payments for medical, dental, or optical services.
`debit - health and beauty - selfcare and wellness`	Hair, beauty, and spa services such as salons, massage, or wellness treatments.
`debit - health and beauty - fitness and sports`	Gym memberships, fitness classes, or sporting equipment.
`debit - home and utilities - child care`	Nursery, babysitting, or nanny payments.
`debit - home and utilities - council tax`	Council tax payments.
`debit - home and utilities - home maintenance`	Home repairs, cleaning, gardening, and household hardware purchases.
`debit - home and utilities - laundry and cleaning`	Laundry, dry cleaning, or household cleaning services.
`debit - home and utilities - rent`	Rent payments for housing, self-storage, or property fees.
`debit - home and utilities - electricity, water and gas`	Payments for utility services such as electricity, water, gas, or sewage.
`debit - home and utilities - internet, mobile and tv`	Payments for recurring bills for internet, mobile and TV. Not including TV license.
`debit - home and utilities - utilities`	Other home-related or utility expenses not categorized elsewhere.
`debit - other - other`	Uncategorized or unrecognized debit transactions.
`debit - other - prenote`	Test or verification transactions used by banks.
`debit - professional services - stationary services`	Office supply and stationery purchases.
`debit - professional services - legal activities`	Payments for legal services or notary fees.
`debit - professional services - consumer services`	Consumer provided services, such as consultancy, cleaning services, consumer delivery, and other.
`debit - shopping - other shopping`	Miscellaneous retail or unidentified shopping.
`debit - shopping - furniture and home decor`	Home improvement and decor stores — e.g., IKEA, Dunelm, Habitat, Wayfair, Made.com.
`debit - shopping - other stores`	General retail not captured elsewhere — e.g., local shops, markets, or niche specialty stores.
`debit - shopping - books and newspapers`	Bookstores, newsstands, and online booksellers (e.g., Waterstones, WHSmith, Kindle, Audible, local press subscriptions).
`debit - shopping - clothing, shoes and accessories`	Apparel and footwear retail (e.g., Zara, H&M, Nike, ASOS, Uniqlo, luxury brands like Gucci or Prada).
`debit - shopping - department stores`	Multi-category retail stores such as well as discount stores.
`debit - shopping - computers and electronic devices`	Purchases of electronic devices or accessories.
`debit - shopping - ecommerce and marketplaces`	E-commerce & marketplace purchases, e.g. on eBay and Amazon.
`debit - shopping - gifts`	Gift and flower purchases.
`debit - shopping - hardware stores`	DIY or garden supply purchases.
`debit - shopping - pet supplies and services`	Pet-related purchases or veterinary costs.
`debit - shopping - other recreational goods`	Purchases of toys, hobbies, or tobacco products.
`debit - software - subscriptions and apps (consumer saas)`	Consumer subscriptions and one-time purchases for apps or online services — e.g., Google One, iCloud, Canva, ChatGPT Plus, Adobe, Apple Store, Google Play.
`debit - transfers and cash - currency exchange`	Transfer to another account resulting in outgoing currency exchange transfer.
`debit - transfers and cash - other`	Other cash-related transfers.
`debit - transfers and cash - cash withdrawal`	Money withdrawn from an ATM or bank branch.
`debit - transfers and cash - savings`	Payments towards saving account.
`debit - transfers and cash - account transfer`	Outgoing transfer of funds between the accounts of either different individuals or the same individual.
`debit - transfers and cash - investments`	Expenditures made to acquire financial assets or capital goods with the expectation of generating future income or profit. This includes purchases of stocks, bonds, mutual funds, real estate, and other investment vehicles.
`debit - transfers and cash - cryptocurrencies`	Transfer of funds from the account holder’s bank account to a cryptocurrency broker or exchange platform for purchasing or trading cryptocurrencies.
`debit - transfers and cash - peer-to-peer`	Direct transfer of funds between individuals, often facilitated through peer-to-peer payment platforms or mobile apps.
`debit - transport - car rental`	Temporary car rental from renting companies.
`debit - transport - fuel and charging`	Expenditure on fuel for vehicles including gasoline, diesel, or alternative fuels.
`debit - transport - other transport`	Spending on automobiles and other types of transportation such as bicycles, or scooters (rental, maintenance etc). The label also includes parking fees, long-distance touristic bus fees etc. Also Ferry crossings and cruises.
`debit - transport - public transport`	Public transport including fares for Metro, Bus and Trains, Ferries.
`debit - transport - taxi and rideshare`	Payment for rideshare or taxi services for transportation.
`debit - transport - tolls and parkings`	Charges for using toll roads, bridges, or tunnels for transportation as well as parking.
`debit - transport - motor vehicles, repairs and accessories`	Vehicle purchase, vehicle maintenance & licensing, as well as lease repayments.
`debit - travel - guides and experiences`	Tour guides, excursions, and local experience bookings — e.g., GetYourGuide, Airbnb Experiences, Viator.
`debit - travel - other travel`	Miscellaneous travel-related spending such as airport shuttles, luggage services.
`debit - travel - airlines`	Purchases from commercial airlines and flight booking platforms — e.g., British Airways, Ryanair, Wizz Air, Lufthansa, EasyJet, Expedia flight bookings.
`debit - travel - travel agencies`	Traditional or online travel agencies (e.g., TUI, Expedia, Lastminute.com, Skyscanner, Trip.com).
`debit - travel - hotels and accommodation`	Hotel bookings, hostels, Airbnb, Booking.com stays, or serviced apartments.

Business Accounts

Incoming (Credit)

Category	Description
`credit - adjustment - adjustment`	Change made to financial records to correct errors or to accurately reflect transactions resulting in additional funds added. Adjustments can be made for various reasons, such as reconciling accounts, accounting for depreciation, or updating financial statements to comply with regulations.
`credit - commerce - cashback and loyalty rewards`	Money received as a rebate or refund from purchases made using a debit or credit card. Cashback is typically a percentage of the purchase amount and is credited back to the cardholder’s account.
`credit - commerce - chargeback`	Money returned to the account due to a chargeback transaction, which occurs when a customer disputes a charge with their bank or credit card issuer.
`credit - commerce - marketplace payout`	Revenue generated from online sales or transactions. This could include payments received from selling products or services through an e-commerce, or streaming platform or website (e.g on ebay).
`credit - commerce - refund`	Money returned from a previous purchase, covering all types of refunds and reversals.
`credit - credits and loans - grants, stipends and scholarships`	Funds received as grants, stipends, or scholarships for education, research, or financial assistance.
`credit - credits and loans - insurance payout`	Money received from an insurance provider as a claim payout for covered losses or damages. Unemployment insurance payout is also covered by this category.
`credit - credits and loans - bank loan`	Money received from a bank-issued loan or credit facility.
`credit - credits and loans - revenue based financing`	Funds received through revenue-based or merchant cash advance financing arrangements.
`credit - credits and loans - government loan`	Money received as a government-issued loan or public funding program.
`credit - credits and loans - other business loan financing`	Any other type of business loan or external financing arrangement.
`credit - government - tax refund / rebate`	Refund received from overpayment of taxes to government authorities, such as federal or state tax refunds.
`credit - government - other`	Any other type of incoming payment from government sources.
`credit - income - business receipts`	Revenue earned from clients coming from business receipts.
`credit - investments - investment income`	Funds withdrawn from investment platforms — includes dividends, investment income, and proceeds from asset sales.
`credit - investments - cryptocurrency withdrawals`	Funds withdrawn from crypto platforms — includes dividends, investment income, and proceeds from asset sales.
`credit - other - other`	Other or uncategorized income or credit transaction.
`credit - transfers and deposits - currency exchange`	Incoming transfers related to currency exchange.
`credit - transfers and deposits - cash deposit`	Cash deposited into an account via ATM, post office, or branch.
`credit - transfers and deposits - account transfer`	Transfer of funds between personal or external accounts.
`credit - transfers and deposits - savings`	Transfer of funds from savings account.

Outgoing (Debit)

Category	Description
`debit - adjustment - adjustment`	Change made to financial records to correct errors or to accurately reflect transactions resulting in funds deducted. Adjustments can be made for various reasons, such as reconciling accounts, accounting for depreciation, or updating financial statements to comply with regulations.
`debit - business expenses - customer reimbursements, chargebacks and reversals`	Refunds issued to customers or chargebacks processed through payment providers.
`debit - business expenses - compliance licenses and regulatory fees`	Fees for permits, regulatory filings, or compliance costs such as FCA or local licenses.
`debit - business expenses - intellectual property`	Expenses related to patents, copyrights, trademarks, or other IP rights.
`debit - business expenses - other`	Miscellaneous operational or administrative expenses.
`debit - business expenses - electronics and hardware`	Purchases of computers, IT equipment, or business hardware.
`debit - business expenses - employee payroll`	Salary or wage payments to employees.
`debit - business expenses - employee benefits`	Staff-related benefits such as insurance, pensions, or well-being programs.
`debit - business expenses - saas and productivity tools`	Software subscriptions and productivity tools like Notion, Slack, or Jira.
`debit - business expenses - payroll tax`	Employer tax withholdings and contributions.
`debit - business expenses - utilities - electricity, water and gas`	Utility costs for business premises — electricity, gas, or water.
`debit - business expenses - utilities - internet, mobile and tv`	Internet, phone, and TV service costs for business operations.
`debit - business expenses - contractors and outsourcing`	Payments to contractors or outsourced service providers.
`debit - business expenses - other utilities`	Other operational utility expenses not listed elsewhere.
`debit - business expenses - infrastructure and security`	Spending on data storage, hosting, and infrastructure (e.g., AWS, Azure).
`debit - business expenses - personnel training and education`	Costs for staff development, training courses, and certifications.
`debit - cost of goods sold - supplier payments`	B2B payments for materials, goods, or services.
`debit - cost of goods sold - other cost of goods sold`	Other costs associated with Cost of Goods Sold.
`debit - cost of goods sold - customer returns`	Costs arising when customers return purchased items, including expenses for handling returns, processing refunds or exchanges, and any related logistics or restocking activities.
`debit - cost of goods sold - courier and logistics`	DHL, FedEx, Royal Mail, UPS, or same-day delivery couriers as well as self-storage.
`debit - customer acquisition cost - advertising and marketing services`	Agency and PR-related marketing cost as well as digital ad spend via platforms like Meta Ads, Google Ads, or LinkedIn.
`debit - customer acquisition cost - other customer acquisition cost`	Other cost associated to marketing and customer acquisition.
`debit - donations - charity and non profit organizations`	Donations to charitable organizations such as UNICEF, Oxfam, or Red Cross.
`debit - employee spend - entertainment and recreation`	Spending on leisure or recreational activities.
`debit - employee spend - eating out and drinks`	Meals and drinks consumed outside of work.
`debit - employee spend - takeaway and delivery`	Food ordered via delivery or takeaway services.
`debit - employee spend - gambling`	Gambling-related spending.
`debit - employee spend - automobile and gas`	Fuel and maintenance expenses for vehicles.
`debit - employee spend - gifts`	Purchases of gifts for personal or work purposes.
`debit - employee spend - employee reimbursement`	Repayment of expenses made by employees.
`debit - employee spend - groceries`	Grocery and supermarket spending.
`debit - employee spend - hotels and accommodation`	Hotel or lodging costs related to work or travel.
`debit - employee spend - public transport`	Bus, metro, or train fares.
`debit - employee spend - taxi and rideshare`	Payments for taxis or ride-hailing services.
`debit - employee spend - tolls and parkings`	Toll road or parking expenses.
`debit - employee spend - airlines`	Flight bookings for work or travel.
`debit - employee spend - car rental`	Temporary car rentals.
`debit - employee spend - other transport`	Miscellaneous travel and transportation costs.
`debit - employee spend - other employee spend`	Other personal or work-related employee spending.
`debit - fees and charges - other fees and charges`	Miscellaneous fees charged by the bank or third parties.
`debit - fees and charges - bank and transaction fees`	Bank service fees including account maintenance and ATM charges as well as transaction fees from payment processors such as Stripe, PayPal, Adyen, or Square.
`debit - fees and charges - overdraft fees`	Fees charged for insufficient funds or overdrafts.
`debit - financial products and services - credit card`	Payments made toward a credit card balance or annual fee.
`debit - financial products and services - insurance premium`	Premiums for health, life, home, or auto insurance.
`debit - financial products and services - bank loan repayments`	Payments towards business loans from banks.
`debit - financial products and services - goverment loan repayments`	Repayments towards government-issued loans or public funding.
`debit - financial products and services - revenue based financing repayments`	Payments towards loans coming from revenue based financing.
`debit - financial products and services - other business loan repayments`	Other business loan repayments.
`debit - financial products and services - mortgage`	Payment towards mortgage loans for residential properties.
`debit - government - government and local government`	Payments for public services such as visa, passport, unemployment benefit, parking permits.
`debit - government - taxes`	Taxes; HMRC payments & Local council taxes, etc.
`debit - other - other`	Uncategorized or unrecognized debit transactions.
`debit - professional services - facility maintenance`	Cleaning, maintenance, or repair services.
`debit - professional services - hr and recruiting`	Spend on recruitment agencies, HR consultancies, job platforms like LinkedIn or Indeed sponsored posts. Recruitment, onboarding, and HR-related spending.
`debit - professional services - office rental`	Costs of co-working spaces or leased offices.
`debit - professional services - other professional services`	Other contracted professional services.
`debit - professional services - stationary services`	Office supply and stationery purchases.
`debit - professional services - legal activities`	Payments for legal services or notary fees.
`debit - professional services - consultancy and bookkeeping`	Business, strategy, or management consulting — e.g., Deloitte, Accenture, freelancers. Includes accountants, auditors, and bookkeepers.
`debit - transfers and cash - currency exchange`	Transfer to another account resulting in outgoing currency exchange transfer.
`debit - transfers and cash - other`	Other cash-related transfers.
`debit - transfers and cash - cash withdrawal`	Money withdrawn from an ATM or bank branch.
`debit - transfers and cash - savings`	Payments towards saving account.
`debit - transfers and cash - account transfer`	Outgoing transfer of funds between the accounts of either different individuals or the same individual.
`debit - transfers and cash - investments`	Expenditures made to acquire financial assets or capital goods with the expectation of generating future income or profit. This includes purchases of stocks, bonds, mutual funds, real estate, and other investment vehicles.
`debit - transfers and cash - cryptocurrencies`	Transfer of funds from the account holder’s bank account to a cryptocurrency broker or exchange platform for purchasing or trading cryptocurrencies.

Consumer Accounts

Incoming (Credit)

Category	Definition
atm/bank deposit	Money deposited into the account via ATM or directly through a bank transaction.
benefits	Income received from the government (unemployment benefits, SSA , etc) or employer benefits.
cashback	Money received as a rebate or refund from purchases made using a debit or credit card. Cashback is typically a percentage of the purchase amount and is credited back to the cardholder’s account.
chargeback	Money returned to the account due to a chargeback transaction, which occurs when a customer disputes a charge with their bank or credit card issuer.
ecommerce	Revenue generated from online sales or transactions. This could include payments received from selling products or services through an e-commerce platform or website (e.g on ebay).
freelance	Money earned from self-employment or freelance work. This could include payments received for freelance projects, consulting services, or contract work.
gambling	Money obtained from gambling activities such as casino winnings, lottery prizes, or betting earnings.
grants or stipends	Funds received as a grant or stipend for various purposes such as education, research, or financial assistance.
insurance	Money received from an insurance provider as a claim payout for covered losses or damages. Unemployment insurance payout is also covered by this category.
inter account transfer	Transfer of funds between the accounts of different individuals; or between the accounts of the same individual held in different financial institutions.
interest / dividend	Income earned from interest on savings accounts, deposits, or dividends from investments.
intra account transfer	Transfer of funds between the accounts of the same person in the same financial institution.
loans	Money received as a loan from a lender. This could include personal loans, student loans, short-term loans, cash advances, etc. (does not include pawn loans).
not enough information	Transactions for which there is insufficient data to determine the nature of the transaction.
other	Transactions that do not fit into any other predefined category (e.g. covers credit card rewards, savings, etc. and other income).
pawn loan	Money received from a pawnbroker in exchange for valuable items used as collateral for a short-term loan.
paycheck	Salary or wages earned from employment.
peer to peer transfer	Direct transfer of funds between individuals, often facilitated through peer-to-peer payment platforms or mobile apps.
pension	Regular income received by individuals after retirement, originating from previously made contributions by employers, employees, or both. This encompasses payments from government, private, and occupational pension plans.
property rental	Revenue earned from renting out real estate.
refund	Money refunded for returned goods or services. This could include refunds from retailers, service providers, or utility companies.
reversal / adjustment	Funds reversed/adjusted due to a transaction cancellation or error.
rideshare or delivery income	Earnings from providing rideshare services (e.g. Uber, Lyft) or delivery services (e.g. Uber Eats, DoorDash).
tax refund	Refund received from overpayment of taxes to government authorities, such as federal or state tax refunds.
trading (crypto)	Transfer of funds from a cryptocurrency broker or exchange platform to the account holder’s bank account.
trading (non-crypto)	Transfer of funds from a stock brokerage account to the account holder’s bank account.

Outgoing (Debit)

Category	Definition
app stores	Advance payments made to Apple Store and Google Play Market for future purchases of software, music, games, etc. This includes funds added to Apple Wallet and similar platforms, intended for later use in buying digital content and services.
atm/bank withdrawal	Money withdrawn from an ATM or bank branch.
auto lease payment	Monthly payments made for leasing an automobile. This includes payments for the temporary use of a vehicle under a lease agreement.
auto loan repayment	Regular payments made towards the repayment of an auto loan.
bank fee	Charges incurred by the bank for various services such as account maintenance fees, ATM usage fees (does not include overdraft/nsf fees), etc.
books, newsletters, newspapers	Spending on reading materials such as books, magazines, newspapers, or audiobooks and digital subscriptions.
buy now, pay later	Payments made through buy now, pay later services or instalment payment plans.
cafes and coffee shops	Spending at coffee shops or cafes for coffee, tea, pastries, or other refreshments.
childcare	Expenses related to childcare services such as daycare, babysitting, or after-school care.
clothing	Expenditure on clothing items including apparel, footwear, and accessories.
contribution to reserve fund	Contributions made to a reserve fund or savings account for future expenses or emergencies. For example, monthly fees paid to a Homeowners Association (HOA) or a condominium complex by members, part of which goes toward a reserve fund to pay for neighbourhood maintenance and improvements.
convenience store	Purchases made at convenience stores (these are usually small stores adjacent to the petrol stations).
council tax	Council tax (in the UK) is a local taxation system collected by local authorities, applicable to domestic properties.
credit card bill	Payment made towards the outstanding balance on a credit card account (covers the credit card fee too).
credit card fee	Fees charged by the credit card issuers.
credit report	Payment for credit report services or credit monitoring subscriptions.
debt collection	Payments made towards debt collection agencies or debt settlement arrangements.
department or discount store	Expenses at department and discount retailers. The label covers purchases from a variety stores, thrift stores, and hypermarkets too.
digital content / streaming	Payment for digital content or streaming services such as music streaming, video streaming, podcasts or digital subscriptions.
donation	Political donations and charitable contributions or donations made to nonprofit organisations or charitable causes.
drugstores and pharmacies	Spending at drugstores or pharmacies for prescription medications, over-the-counter drugs, health supplies, or personal care products. Covers purchases from vitamin and supplement stores as well.
eCommerce purchase	Purchases made online through e-commerce platforms or websites.
education	Spending on educational expenses including tuition fees, school supplies, educational software, and digital courses. The label also covers payments to dancing schools, catering courses, and other occupational training. (learning by agenda).
electronics	Expenditure on electronic devices such as smartphones, computers, tablets, televisions, or home appliances.
entertainment and recreation	Expenses related to entertainment activities such as movie tickets, concerts, amusement parks, or recreational events. The label also covers digital games and all kinds of related purchases.
firearms	Expenses related to the purchase or maintenance of firearms or firearm accessories.
food and drink	Payments and purchases made for food and drink, including bakeries, bars, nightclubs, juice bars, restaurants, etc. This also covers food subscriptions, delivery services, and vending machines.
fuel	Expenditure on fuel for vehicles including gasoline, diesel, or alternative fuels.
funerals and bequests	Expenses related to funeral services, burial expenses, or memorial arrangements. This also covers the transfers of bequests.
gambling	Money spent on gambling activities such as casino gambling, lottery tickets, or betting.
gifts	Expenses on items from gift shops, flower shops, etc.
government	Payments to government agencies or institutions for fines, licences, permits, or government services.
groceries	Spending on groceries (from grocery shops, butchers, farm markets, and supermarkets).
home improvements and maintenance services	Expenses for home improvement and housekeeping services such as landscaping, pest control, maintenance, alarm security, as well as purchase of household hardware like lumber, flooring and construction materials, paint, etc.
hotel or lodging	Payments for hotel accommodations, hostels, airbnb, lodging, or temporary housing.
insurance	Payment for insurance coverage such as health insurance, auto insurance, home insurance, or life insurance.
inter account transfer	Transfer of funds between the accounts of different individuals; or between the accounts of the same individual held in different financial institutions.
interest	Payment of interest on loans.
intra account transfer	Transfer of funds within the accounts of the same person in the same financial institution.
investment	Expenditures made to acquire financial assets or capital goods with the expectation of generating future income or profit. This includes purchases of stocks, bonds, mutual funds, real estate, and other investment vehicles.
laundry	Expenses related to laundry services such as washing, drying, or dry cleaning.
legal services	Payment for legal services including attorney fees, legal consultations, or legal representation.
liquor	Expenses in the spirits stores on alcoholic beverages such as wine, beer, spirits, or cocktails.
loan repayment	Payments towards the repayment of loans including personal loans, payday loans, cash advances, etc. (does not include auto loans, student loans and pawn loans).
media	Payments and subscriptions for digital media services, including platforms such as iTunes, Netflix, YouTube, Vimeo, and similar services.
medical bill	Expenses related to medical services, healthcare treatments, or medical supplies.
mortgage	Payment towards mortgage loans for residential properties.
non-sufficient funds / overdraft fee	Fees incurred due to insufficient funds or overdrafts on the account.
not enough information	Transactions for which there is insufficient data to determine the nature of the transaction.
other consumer services	Payments done to the consumer services providers such as mail and postage, shipping, moving services, self-storages, photography, religious services, etc.
other non-essential	Expenses related to goods from printing stores and other non-essential costs.
other transport	Spending on automobiles and other types of transportation such as bicycles, or scooters (rental, maintenance etc). The label also includes parking fees, long-distance touristic bus fees etc.
pawn shops	Payment to redeem pawned items held as collateral for a loan.
peer to peer transfer	Direct transfer of funds between individuals, often facilitated through peer-to-peer payment platforms or mobile apps.
pets	Expenses related to pet care including pet food, veterinary services, grooming, or pet supplies.
public transport	Expenditure on public transportation services such as buses, trains, subways, or trams.
recreational goods	Spending on recreational items such as sports equipment, outdoor gear, hobby supplies, toys, tobacco and vape supplies.
rent and property management fee	Payment for renting property such as apartments, houses, or self-storage. This includes property management fees.
rent to own	Payments towards rent-to-own agreements where the lessee has the option to purchase the rented item after a certain period.
retirement contributions	Contributions towards retirement savings plans such as 401(k), IRA, or pension funds.
ridesharing and taxis	Payment for rideshare or taxi services for transportation.
saas tools	Payments for software as a service (SaaS) tools or subscriptions such as cloud-based software, online services, or digital tools.
self care	Expenses related to personal care products or services including skincare, haircare, beauty products, massages, tattoos etc.
sport and fitness	Expenditure related to sports and fitness activities, including gym memberships, fitness classes, sports equipment, or athletic apparel.
student loan repayment	Payments made towards the repayment of student loans, including federal or private student loans and education-related personal loans.
taxes	Payments made to government authorities for taxes owed, such as income taxes, property taxes etc.
toll charge	Charges for using toll roads, bridges, or tunnels for transportation.
towing companies	Spending for vehicle towing services.
trading (crypto)	Transfer of funds from the account holder’s bank account to a cryptocurrency broker or exchange platform for purchasing or trading cryptocurrencies.
trading (non-crypto)	Transfer of funds from the account holder’s bank account to a stock brokerage account for purchasing or trading stocks, ETFs, or other securities.
utilities	Payments for utility services such as electricity, water, gas, or sewage.
vehicle maintenance	Expenses for vehicle maintenance and repairs, including oil changes, tyre replacements, or repairs to mechanical or electrical systems.

Miscellaneous

Category	Definition
prenote	Used for transactions that are in a pre-authorization or pending state, awaiting final processing. This label covers 0-amount transactions, and bank account verification fees. Note: When a customer does not provide the amount of the transaction, they will get this label returned automatically.

Business Accounts

The categories in the response body (enrichment.categorisation.categories) are shown comma-separated instead of hyphen. For example, financial services - bank verification - trial credit is returned as:

"categories": [
  "financial services",
  "bank verification",
  "trial credit"
]

Incoming (Credit)

Category	Definition
client deposit	Payments received in advance from customers for goods or services that will be delivered or rendered at a later date.
financial services - ATM deposit	Money deposited into the account via ATM to the business account.
financial services - bank deposit	Money deposited into the account directly through a bank transaction.
financial services - bank verification - trial credit	Small (less than £1) incoming amount received as part of the verification process for transactions or account setup.
financial services - credit card reward	Expenses associated with credit card reward programs, including cashback, points, or other incentives provided to cardholders for using a credit card for purchases.
financial services - interest earned	Income generated from interest on deposited funds or savings accounts.
government - grant	Funding received from government agencies or programs for specific purposes such as research, development, or community initiatives.
government - tax - tax refund	Refund received from tax authorities for overpayment of taxes, such as income tax refunds or sales tax refunds.
investment - dividend	Dividends (additional shares) of a company’s stock received from existing shareholders as a distribution of profits, typically as a reinvestment of earnings into the company’s equity.
referral reward	Rewards received for referring new customers, clients, or business opportunities to the other company.
refund	Money refunded to the business by the merchants for returned goods or services.
revenue	Miscellaneous sources of revenue not covered by specific categories. Acts also as an umbrella label for ecommerce revenue and wholesale revenue, when it’s hard to differentiate between those two.
revenue - ecommerce	Revenue generated from online sales through the business’s ecommerce platform, including sales of products or services.
revenue - wholesale	Revenue generated from wholesale transactions, where goods or services are sold in large quantities to retailers or other businesses for resale.
financial services - bank adjustment	Adjustments made by the bank to the business account balance, often for reconciling discrepancies or correcting errors.
financial services - brokerage/exchange	Transfer of funds to the business bank account from a currency brokerage account, often for trading, investment, or diversification purposes.
financial services - chargeback	Chargebacks initiated by the customer through their bank or credit card issuer.
financial services - crypto brokerage/exchange	Transfer of funds from a cryptocurrency brokerage account to the business bank account.
financial services - intra account transfer - checking	Transfer of funds between the accounts of the same entity in the same financial institution (transfer to/from checking account).
financial services - intra account transfer - savings	Transfer of funds between the accounts of the same entity in the same financial institution (transfer from to/from savings account).
financial services - loan - bank	Repayment of bank loan.
financial services - loan - MCA	Repayment of a Merchant Cash Advance (MCA) loan.
financial services - loan - other	Repayment of loans that do not fall under specific loan categories.
financial services - loan - revenue based financing	Funding received by the business based on projected future revenues, with repayment tied to a percentage of future revenue. The label also covers repayments for the revenue based financing.
financial services - reversal	Reversal of a previous transaction, initiated by either the business or the financial institution, often because of errors or unauthorised activity.
financial services - sweeps	Automatic transfer of funds between accounts to maintain target balances or optimise cash flow.
government - loan	Government loan payment.
investment - equity	Capital invested in the business by external investors in exchange for ownership stake or shares in the company. Also covers cases when the company invests money in the equity of other business.
insurance	Payment received from an insurance provider.
reimbursement	Reimbursement of expenses incurred by the business on behalf of the merchant, such as shipping costs, warranty repairs, or service-related expenses.

Outgoing (Debit)

Category	Definition
cost of goods sold - customer return	Expenses incurred due to customers returning purchased goods, including costs associated with handling returned items, processing refunds or exchanges, and any related logistics or restocking fees.
cost of goods sold - logistics - delivery - postage	Expenses of postage for shipping items to customers, including expenses related to purchasing postage stamps, shipping labels, and any other postal charges incurred during the delivery process.
cost of goods sold - logistics - delivery - shipping	Expenses associated with shipping goods to customers, including costs related to freight charges, and any other expenses directly related to the transportation of goods.
cost of goods sold - logistics - freight - air freight	Expenses for shipping goods via air transportation.
cost of goods sold - logistics - freight - sea freight	Expenses for shipping goods via sea or ocean transportation, often used for international trade, import/export, or bulk shipments.
cost of goods sold - logistics - information systems	Expenses related to information systems utilised in logistics operations, including costs associated with software for inventory management, order tracking, and other logistical functions.
cost of goods sold - logistics - other	Expenses for any other logistics-related expenses not covered by the preceding categories, including miscellaneous costs such as warehousing fees, handling charges, or specialised transportation costs, etc.
cost of goods sold - logistics - shipping and packaging materials	Expenses related to shipping and packaging materials, including the cost of boxes, envelopes, packing tape, bubble wrap, and any other materials used for packaging and shipping goods.
cost of goods sold - other	Expenses for any other costs of goods sold that do not fit into the specified subcategories.
cost of goods sold - supplies - inventory	Expenses related to inventory supplies, including costs associated with purchasing, storing, and managing inventory stock.
cost of goods sold - supplies - raw materials	Expenses incurred for raw materials used in production processes.
cost of goods sold - supplies - vendor payment	Expenses associated with payments to vendors for supplies, including costs related to purchasing goods or services from external suppliers.
customer acquisition cost - advertisements - amazon ads	Expenses associated with payments to the various platforms or channels used for advertising efforts aimed at acquiring customers. Each subcategory covers expenses related to advertising specifically on the respective platform.
customer acquisition cost - advertisements - facebook ads	Expenses associated with payments to the various platforms or channels used for advertising efforts aimed at acquiring customers. Each subcategory covers expenses related to advertising specifically on the respective platform.
customer acquisition cost - advertisements - google ads	Expenses associated with payments to the various platforms or channels used for advertising efforts aimed at acquiring customers. Each subcategory covers expenses related to advertising specifically on the respective platform.
customer acquisition cost - advertisements - media	Expenses associated with payments to the various platforms or channels used for advertising efforts aimed at acquiring customers. Each subcategory covers expenses related to advertising specifically on the respective platform.
customer acquisition cost - advertisements - snapchat ads	Expenses associated with payments to the various platforms or channels used for advertising efforts aimed at acquiring customers. Each subcategory covers expenses related to advertising specifically on the respective platform.
customer acquisition cost - advertisements - tik tok ads	Expenses associated with payments to the various platforms or channels used for advertising efforts aimed at acquiring customers. Each subcategory covers expenses related to advertising specifically on the respective platform.
customer acquisition cost - materials	Expenses related to materials used specifically for customer acquisition purposes, including costs associated with creating marketing materials such as brochures, flyers, banners, and promotional items.
customer acquisition cost - other	Expenses for any other customer acquisition costs not covered by the specified subcategories. It may include miscellaneous expenses directly related to acquiring new customers, such as referral program costs or partnership fees.
employee spend - entertainment - gambling	Expenses incurred for employee entertainment activities related to gambling, including costs associated with casino outings, poker nights, or any other gambling-related events.
employee spend - entertainment and recreation	Expenses related to employee entertainment and recreational activities, including costs associated with team-building events, company outings, recreational facilities, and employee wellness programs.
employee spend - food and drink - delivery	Expenses for different types of food and drink for employees. Each subcategory covers expenses related to food delivery services, grocery purchases, and meals at restaurants.
employee spend - food and drink - groceries	Expenses for different types of food and drink for employees. Each subcategory covers expenses related to food delivery services, grocery purchases, and meals at restaurants.
employee spend - food and drink - restaurants	Expenses for different types of food and drink for employees. Each subcategory covers expenses related to food delivery services, grocery purchases, and meals at restaurants.
employee spend - other	Expenses for any other employee-related costs not covered by the specified subcategories.
employee spend - travel - airfare	Expenses related to air travel for employees, including costs associated with purchasing airline tickets, baggage fees, and any other expenses incurred during air travel.
employee spend - travel - automobile - gas and fuel	Expenses for different types of automobile-related costs for employee travel. Each subcategory covers expenses related to gas and fuel, parking fees, vehicle rentals, and other expenses associated with using automobiles for business travel.
employee spend - travel - automobile - other	Expenses for different types of automobile-related costs for employee travel. Each subcategory covers expenses related to gas and fuel, parking fees, vehicle rentals, and other expenses associated with using automobiles for business travel.
employee spend - travel - automobile - parking	Expenses for different types of automobile-related costs for employee travel. Each subcategory covers expenses related to gas and fuel, parking fees, vehicle rentals, and other expenses associated with using automobiles for business travel.
employee spend - travel - automobile - rentals	Expenses for different types of automobile-related costs for employee travel. Each subcategory covers expenses related to gas and fuel, parking fees, vehicle rentals, and other expenses associated with using automobiles for business travel.
employee spend - travel - lodging - hotels	Expenses related to lodging accommodations for employee travel, including costs associated with hotel stays, Airbnb rentals, and other temporary accommodations for business trips.
employee spend - travel - other	Expenses for any other travel-related costs not covered by the specified subcategories.
employee spend - travel - public transportation	Expenses incurred by employees for using public transportation during business-related travel, including costs associated with fares for buses, trains, subways, trams, ferries, and any other forms of public transportation used for business purposes.
employee spend - travel - rideshare and taxis	Expenses incurred by employees for utilising rideshare services such as Uber or local taxi companies during business-related travel.
employee spend - travel - tolls and bridges	Expenses related to tolls and bridge crossings incurred by employees during business-related travel, including payments made for toll roads, bridges, tunnels, and other infrastructure where fees are required for passage.
employee spend - travel - wifi	Expenses related to Wi-Fi services incurred by employees during business-related travel.
facilities - electronics	Expenses for electronic equipment used in business operations, including purchases, maintenance, and repairs of computers, printers, scanners, and other devices.
facilities - equipment	Expenses related to the acquisition, maintenance, and upkeep of various equipment used within the business premises.
facilities - furniture	Expenses associated with the purchase, maintenance, and upkeep of furniture items used within the office.
facilities - maintenance	Expenses related to the upkeep, repairs, and general maintenance of the business premises and its infrastructure.
facilities - office rent	Expenses related to the rental or lease of office space for business operations.
facilities - office supplies	Expenses related to the procurement of essential supplies used within the office environment for day-to-day operations.
facilities - other	Miscellaneous expenses related to facilities management that do not fit into the specified subcategories.
facilities - utilities - electricity	Expenses associated with various utility services necessary for business operations.
facilities - utilities - gas	Expenses associated with various utility services necessary for business operations.
facilities - utilities - internet	Expenses associated with various utility services necessary for business operations.
facilities - utilities - other	Expenses associated with various utility services necessary for business operations.
facilities - utilities - telecommunications	Expenses associated with various utility services necessary for business operations.
fee - banking fee - international transaction fee	Charges incurred for conducting financial transactions across international borders, typically imposed by banks or financial institutions.
fee - banking fee - NSF/overdraft fee	Fees charged by the bank/credit card issuer for insufficient funds or overdrawing the account, often incurred when the business attempts to make transactions without sufficient funds available.
fee - merchant processing fee	Fee charged by payment processors or merchant service providers for processing credit card transactions, debit card transactions, or other electronic payments.
fee - other	Miscellaneous fees not categorised under specific banking or financial transaction types. This category encompasses any additional charges imposed by banks or financial institutions that do not fit into predefined fee categories.
fee - payment processor fee	Fee charged by payment processors or payment gateways for processing online transactions, including transaction fees, processing fees, or gateway fees.
financial services - ATM withdrawal	Money withdrawn from an ATM.
financial services - bank verification - trial debit	Small (less than £1) outgoing amount sent as part of the verification process for transactions or account setup.
financial services - bank withdrawal	Withdrawal of funds (cash) from the business bank account (usually in a bank branch).
financial services - credit card bill	Payment made to settle outstanding balances on corporate credit cards.
financial services - credit card fee	Fees charged by credit card companies for processing transactions, maintaining accounts, or providing rewards programs associated with business credit cards.
financial services - interest payment	Payment of interest owed on loans, lines of credit, or other forms of debt financing.
financial services - mortgage repayment	Repayment of a mortgage loan used to finance the purchase or construction of commercial real estate, such as office buildings, retail spaces, or industrial properties.
financial services - voided fee	Fee for cancellation of the previous transaction.
gifts - donations - charity	Contributions made by the business to charitable organisations or causes.
gifts - donations - other	Contributions that are not classified under specific donation transaction type.
gifts - donations - political	Contributions made by the business to political candidates, parties, campaigns, or advocacy groups.
gifts - other	Miscellaneous expenses related to gifts given by the business that do not fall under specific gift categories. This label covers mainly employee appreciation gifts or client thank-you gifts.
government - compliance licences and permits	Payments for licences, permits, or regulatory compliance fees required to operate the business legally within a specific jurisdiction or industry.
government - other	Various government-related expenses not covered by predefined government expense categories.
government - tax - tax payment	Payment of taxes including federal income tax, state income tax, Social Security tax, etc.
government - unemployment benefit	Expenses associated with providing unemployment benefits to eligible individuals as mandated by government regulations or programs.
infrastructure - cloud operations	Expenses for cloud-based computing services such as web hosting, data storage, etc.
infrastructure - manufacturing	Purchases or leases of machinery, equipment, tools, or industrial appliances used in the manufacturing, production, or operation of the business.
infrastructure - other	Various infrastructure-related expenses not covered by predefined categories such as manufacturing, servers, or website expenses.
infrastructure - servers	Expenses associated with purchasing, leasing, or maintaining server infrastructure, data centres, or hosting services for storing, processing, or managing digital information.
infrastructure - website	Expenses associated with domain registration, website design, development, hosting services, security measures, and any other expenses related to the online presence of the business.
intellectual property	Expenses associated with acquiring, licensing, protecting, or enforcing intellectual property rights, including patents, trademarks, copyrights, or trade secrets.
invalid	Returned when the description contains random characters/numbers (e.g. ffgsrt41258).
investment - real estate	Expenses related to the acquisition, management, and maintenance of real estate properties as investments.
investment - share repurchase	Buyback of company shares from the open market or existing shareholders, reducing the number of outstanding shares and increasing ownership concentration.
personnel - contractors	Expenses related to the payments to contractors.
personnel - crowd outsourcing	Fees paid for outsourcing tasks or projects to online crowdsourcing platforms or freelance marketplaces.
personnel - employees - benefits - healthcare	Expenses related to providing healthcare benefits to employees, including premiums, contributions, or payments made towards health insurance plans, medical services, prescriptions, and other healthcare-related expenses.
personnel - employees - benefits - other	This label encompasses various non-categorized employee benefits, such as wellness programs, tuition assistance, or childcare benefits.
personnel - employees - benefits - retirement funds	Expenses associated with providing retirement benefits or contributions to retirement funds for employees, such as pension plans or other retirement savings programs.
personnel - employees - payroll - child support	Deducting child support payments from employees’ wages as required by court orders or legal agreements.
personnel - employees - payroll - fee	Fees associated with payroll processing services or software used to manage employee payroll.
personnel - employees - payroll - salary	Expenses specifically related to regular wages or salaries paid to employees for their work, typically on a recurring basis.
personnel - employees - payroll - tax	Expenses related to withholding and remitting payroll taxes on behalf of employees, including income taxes, Social Security taxes, Medicare taxes, and any other applicable payroll taxes required by law.
personnel - other	This label encompasses various non-categorized personnel expenses, such as employee recognition programs, HR consulting fees, or team-building activities.
personnel - recruiting	Payments made to recruitment agencies, headhunters, or hiring platforms for sourcing, screening, or hiring candidates for job vacancies within the company.
personnel - reimbursements	Reimbursement of expenses employees incur while performing business tasks for the company.
personnel - training and education	Expenses related to providing training and educational opportunities for employees to enhance their skills and knowledge, including costs for workshops, seminars, courses, certifications, or tuition reimbursement programs.
professional services - accounting	Expenses for accounting services such as bookkeeping, financial statement preparation, or tax filing services provided by external accounting firms or professionals.
professional services - consulting	Expenses for consulting services provided by external consultants or consulting firms, often for specialised expertise or project-based advice.
professional services - legal	Expenses for attorneys, law firms, or legal consultants for legal services, advice, representation, litigation, or contract drafting on behalf of the business.
professional services - other	Miscellaneous expenses related to professional services that do not fit into specific professional service categories.
tools - software and saas	Subscription fees paid for accessing or using Software as a Service (SaaS) applications, platforms, or cloud-based tools.
financial services - bank adjustment	Adjustments made by the bank to the business account balance, often for reconciling discrepancies or correcting errors.
financial services - brokerage/exchange	Transfer of funds from the business bank account to a currency brokerage account, often for trading, investment, or diversification purposes.
financial services - chargeback	Money paid to customers due to customer disputes, fraud, etc.
financial services - crypto brokerage/exchange	Transfer of funds to a cryptocurrency brokerage account from the business bank account.
financial services - intra account transfer - checking	Transfer of funds between the accounts of the same entity in the same financial institution (transfer to/from checking account).
financial services - intra account transfer - savings	Transfer of funds between the accounts of the same entity in the same financial institution (transfer to from savings account).
financial services - loan - bank	Disbursement of bank loan.
financial services - loan - MCA	Disbursement of a Merchant Cash Advance (MCA) loan.
financial services - loan - other	Disbursement of loans that do not fall under specific loan categories in the hierarchy.
financial services - loan - revenue based financing	Funding received by the business based on projected future revenues, with repayment tied to a percentage of future revenue. The label also covers repayments for the revenue based financing.
financial services - reversal	Reversal of a previous transaction, initiated by either the business or the financial institution, often because of errors or unauthorised activity.
financial services - sweeps	Automatic transfer of funds between accounts to maintain target balances or optimise cash flow.
government - loan	Government loan disbursement.
investment - equity	Capital invested in the business by external investors in exchange for ownership stake or shares in the company. Also covers cases when the company invests money in the equity of other business.
insurance	Payment paid to an insurance provider.
reimbursement	Reimbursement to the customer.

Miscellaneous

Category	Definition
prenote	Used for transactions that are in a pre-authorization or pending state, awaiting final processing. This label covers 0-amount transactions, and bank account verification fees. Note: When a customer does not provide the amount of the transaction, they will get this label returned automatically.
not enough information	Transactions for which there is insufficient data to determine the nature of the transaction.

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Payments

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Hosted Pages

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Consumer Accounts

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Consumer Accounts

Business Accounts