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.
Yapily categorises transactions into 15 categories and 92 subcategories. Our categories are:
|CHARITY & GIFTS||DONATIONS|
|CHARITY & GIFTS||GIFTS|
|CHARITY & GIFTS||OTHER|
|EATING OUT||FAST FOOD|
|EATING OUT||TAKE AWAY/DELIVERY|
|FEES & CHARGES||ATM FEE|
|FEES & CHARGES||FOREIGN CURRENCY CHARGE|
|FEES & CHARGES||LATE FEE|
|FEES & CHARGES||OTHER|
|FEES & CHARGES||OVERDRAFT CHARGE|
|FEES & CHARGES||SERVICE FEE|
|INVESTMENT & SAVINGS||CREDIT CARD PAYMENT|
|INVESTMENT & SAVINGS||INVESTMENT|
|INVESTMENT & SAVINGS||OTHER|
|INVESTMENT & SAVINGS||SAVINGS|
|OTHER||CREDIT CARD PAYMENT|
|PERSONAL CARE||BEAUTY PRODUCTS|
|PERSONAL CARE||SPA/BEAUTY TREATMENT|
|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.
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:
correctedDateof the transaction. This is the date appearing in the transaction string, which is likely to be the date the transaction took place on: the
bookingDateTimereturned by the institution can be post-clearing
locationwhere the transaction occurred where we are able to match it
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
As with categories, the merchant of a transaction may change as we improve the accuracy of our merchant service and add new merchants.
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.