Transaction Data Enrichment
Maximise scoring accuracy with intelligent transactional data and gain a new layer of insight into your clients' daily lives and behaviours With 99.99% accuracy.
Are you sure you know who you're lending money to?
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Analyzing income, expenses, and behavior patterns can take time. Are you certain you truly know who your loan applicant is by the end?
Identifying a risky gambler from a successful manager with a family can be tricky. However, with a structured transaction history based on detailed payment categorization, merchant identification, and purchase location recognition, you’ll know immediately.
Trusted by 50+ global banks and fintechs
Empower your scoring model with structured insights from real-time transaction history data for any payment service, including PSD2
Boost your reputation by lending to creditworthy and trustworthy clients and prevent rising delinquencies with useful data insights
Uncover your client's subprime loan payment data and leverage these insights to perfectly target your offers or sell own subprime loans.
Make payment analysis truly insightful through segmentation and tagging for each payment.
Gain deep insights into specific client lifestyle and predict behaviour with a Four-level transaction categorisation system.
Meet David, a regular employee who rents an apartment and spends a lot on groceries, water parks, and children's toys, indicating he’s a dad. He regularly pays at 3 locations, likely near his home or workplace. David eats lunch around the office on weekdays and grocery shops in the evenings or on weekends. He’s also an avid weekend traveller who enjoys swimming and cycling. This detailed categorisation reveals his lifestyle and spending habits.
...there is a piece of European Commission legislation called the "AI Act". Learn how to incorporate AI Act compliance into your risk management strategy.
Knowing where your clients live, where they pay and where they actually live will help you better understand and predict their living expenses.
Get a clean and accurate merchant name for every single transaction (both income and expenditure)
With high scalability, TapiX is is designed to handle the needs of the world’s largest banks.
Today we enrich over billion of transactions per month across EMEA, LATAM and NCA regions with coverage ranging from 65-85% and 99.99% accuracy.
bunq - the Dutch challenger bank was struggling to achieve a high coverage of merchant reconciliation. Learn more about how TapiX helped them through payment data enrichment.
Ali Niknam
Founder & CEO at bunq
Alexey Kapustin
CEO at Raiffeisen Digital Bank AG
Alex Friedli
Chief Operating Officer at Swisscard
Leen Asfour
Product Lead at Reflect by Arab Bank
Bring more value to your users through enriched payment data
TapiX uses multiple controls based on statistics, outlier detection and various algorithms to provide you with the best data quality possible. Data quality is supervised by our data team to prevent any mistakes. Due to the complexity of data quality checks, TapiX receives less than 1 complaint per 6 000 000 processed transactions.
Through the API you only transfer the terminal identifiers. TapiX fulfills the highest security standards and processes no personal information about your clients. We are ISO 27001 certified and GDPR compliant. Dateio stores and processes data in AWS which fulfills the highest security standards.
Note that if TapiX returned an “unsolved” shop it might be due to multiple reasons. The data provided might not be sufficient enough to identify the correct shop (e.g. not enough parameters provided) or TapiX simply does not recognize the shop now. TapiX always returns as much information as possible but it is always possible that some information about the shop or the merchant may be missing. Note that the quality of the service improves over time and your data can be solved in the near future.
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when customers understand what they are paying for and have a clear overview of their finances, their motivation to pay by card and use a mobile app increases significantly?
Learn how this can be the story of your digital banking.
