Enrichment

Learn how Yapily can add enriched information to transactions

When fetching transactions from the Account Transactions endpoint the user has the option of requesting enrichment of those transactions. There are currently two options for this: merchants and categories.

Categories

Yapily categorises transactions into 15 categories and 92 subcategories. Our categories are:

Category Subcategory
BILLS INTERNET/TV
BILLS MOBILE PHONE
BILLS OTHER
BILLS SUBSCRIPTION
BILLS TV LICENCE
BILLS UTILITY BILL
CHARITY & GIFTS DONATIONS
CHARITY & GIFTS GIFTS
CHARITY & GIFTS OTHER
EATING OUT COFFEE
EATING OUT DRINKS
EATING OUT FAST FOOD
EATING OUT OTHER
EATING OUT RESTAURANT
EATING OUT TAKE AWAY/DELIVERY
ENTERTAINMENT ART/MUSEUM
ENTERTAINMENT BETTING SHOP
ENTERTAINMENT CINEMA
ENTERTAINMENT LIVE MUSIC
ENTERTAINMENT LIVE SPORT
ENTERTAINMENT LOTTERY
ENTERTAINMENT NIGHTCLUB
ENTERTAINMENT ONLINE GAMBLING
ENTERTAINMENT OTHER
ENTERTAINMENT THEATRE
FEES & CHARGES ATM FEE
FEES & CHARGES FOREIGN CURRENCY CHARGE
FEES & CHARGES LATE FEE
FEES & CHARGES OTHER
FEES & CHARGES OVERDRAFT CHARGE
FEES & CHARGES SERVICE FEE
GENERAL OTHER
GROCERIES ONLINE GROCERIES
GROCERIES OTHER
GROCERIES SUPERMARKET
HOME COUNCIL TAX
HOME GARDEN
HOME HOME IMPROVEMENT
HOME MORTGAGE
HOME OTHER
HOME RENT
HOME SERVICE CHARGE
INCOME
INSURANCE HEALTH INSURANCE
INSURANCE HOME INSURANCE
INSURANCE LIFE INSURANCE
INSURANCE MOTOR INSURANCE
INSURANCE OTHER
INSURANCE PET INSURANCE
INSURANCE PHONE/GADGET INSURANCE
INSURANCE TRAVEL INSURANCE
INVESTMENT & SAVINGS CREDIT CARD PAYMENT
INVESTMENT & SAVINGS INVESTMENT
INVESTMENT & SAVINGS OTHER
INVESTMENT & SAVINGS SAVINGS
LOAN CAR LOAN
LOAN LONG TERM
LOAN SHORT TERM
OTHER ATM WITHDRAWAL
OTHER CARD TOPUP
OTHER CREDIT CARD PAYMENT
OTHER EDUCATION
OTHER OTHER
OTHER TRANSFER
PERSONAL CARE BEAUTY PRODUCTS
PERSONAL CARE DOCTOR
PERSONAL CARE GYM/EXERCISE
PERSONAL CARE HAIRDRESSER
PERSONAL CARE OTHER
PERSONAL CARE PHARMACY
PERSONAL CARE SPA/BEAUTY TREATMENT
SHOPPING BOOKS
SHOPPING CLOTHING
SHOPPING ELECTRONICS
SHOPPING FILM/DVD
SHOPPING GAMES
SHOPPING HOBBIES
SHOPPING HOUSE ITEMS
SHOPPING MUSIC
SHOPPING OTHER
SHOPPING PETS
SHOPPING SOFTWARE
SHOPPING SPORTING ITEMS
SHOPPING STATIONARY
TRANSPORT OTHER
TRANSPORT PARKING
TRANSPORT PETROL/FUEL
TRANSPORT PUBLIC TRANSPORT
TRANSPORT TAXI
TRAVEL & HOLIDAY AIR TRAVEL
TRAVEL & HOLIDAY CAR RENTAL
TRAVEL & HOLIDAY HOTELS
TRAVEL & HOLIDAY OTHER

These can be downloaded as a .csv here.

Categories for individual transactions may change over time as we improve our categorisation engine. We recommend using the most recent category for a transaction.

Merchants

While some institutions return merchant information with their transactions, not all do. Yapily parses key information from the transaction description returned by the institution as part of an Account Transactions AIS call. We can't always extract this information, but where possible we return:

  • The merchantName
  • The correctedDate of the transaction. This is the date appearing in the transaction string, which is likely to be the date the transaction took place on: the bookingDateTime returned by the institution can be post-clearing
  • The location where the transaction occurred where we are able to match it
  • The paymentProcessor, such as Paypal

Where we find a merchant, we return it with its associated category.

Some organisations sells a diverse range of products that don't fit within a single category. For example, Sainsbury's primarily sells groceries but also has a retail bank. In this case, we assign multiple merchants with different categories and add a parentGroup to gather those merchants together. So Sainsbury's and Sainsbury's Bank are merchants with appropriate categories that also have Sainsbury's as their parentGroup.

As with categories, the merchant of a transaction may change as we improve the accuracy of our merchant service and add new merchants.

Fees and Cash

For some transactions we use keywords from the transaction description or transaction codes returned from the institution to categorise the transaction as a cash withdrawal or a bank fee.

In the case of a bank fee, we set the merchant to the institution that manages the account.

Where a code indicates that a transaction is a cash withdrawal, we sometimes also parse a merchant from the description. This indicates that the cash was withdrawn at that merchant - for example, from an ATM at a supermarket, or from cashback.

A transactions with subcategory ATM Withdrawal with a merchant attached indicate that the transaction was a cash withdrawal from an ATM located at that merchant, or a cashback from that merchant. It is not a transaction with that merchant.