> ## Documentation Index
> Fetch the complete documentation index at: https://docs.yapily.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Categorisation

> Automatically categorise transactions using Yapily's Categorisation Engine. Assign spending categories for budgeting apps, personal finance management, and financial analysis.

## Background

Yapily provides state-of-the-art categorisation to facilitate the enrichment of PSD2 transaction data. The aim is to enable clients to enhance products in lending, investing, affordability scoring, personal finance management and more.

* A tool built with self-learning models
* Understand financial data at scale, regardless of geography or language
* Enables merchant enrichment, categorisation and a view on whether it is a recurring transaction
* Understanding different types of income and spend

## What is currently supported

### Geographies

* UK
* EU

### Account Types supported

* Business
* Consumer (Retail)

<Info>
  From April 2026, new clients receive categories in a structured format: `tier1 - tier2 - tier3`. Existing clients continue to receive the original category values unchanged. [See the full category reference →](/data/data-plus/categorisation-list)
</Info>

## Enriched data points

Yapily's categorisation product returns additional information for individual transactions, providing a more detailed summary of each transaction.

Categorisation provides the following additional information for transactions:

| Field             | Description                                                                                                                                                                                                                                       |
| ----------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| Category          | A category that our model has predicted best describes the transaction's characteristics.                                                                                                                                                         |
| Payment processor | The intermediary merchant of the transaction (i.e The payment processor).                                                                                                                                                                         |
| Merchant          | The normalised merchant name (if a merchant is present).                                                                                                                                                                                          |
| Recurrences Type  | Indicates whether a transaction is a one-time transfer, e.g. purchasing a mattress (**one-off**), regularly repeats with personalized pricing, e.g. utilities, mortgage (**recurring**), regularly repeats with fixed pricing (**subscription**). |

## How to enable categorisation

To access the categorisation endpoints, there are additional steps that need to be completed in advance.

* A contractual agreement is in place to cover our Data Plus Categorisation product
* The "**categorisation**" scope is enabled for your application (this can be requested via Support once the contract has been agreed)
* Subscription to receive the Categorisation webhooks

The links to the Categorisation APIs can be found here → [Data Plus APIs](/api-reference/data-plus)

***

## Next steps

* [Try our tutorial to get Categorisation](/data/data-plus/tutorial-categorisation)
* [Read about user consents for accessing financial data](/data/financial-data-resources/financial-data-consents)