Transaction Enrichment provides additional context on a transaction beyond just the description and amount
Category - what kind of payment is this? What level of risk does it carry?
Merchant - who is the counterparty to this transaction?
Payment Processor - what, if any, third party is processing the payment (e.g. PayPal, Zelle etc.)
Hierarchy
Transaction categories adhere to a simple, two level taxonomy. A level 1 category may have one or more level 2 categories.
Where possible, a transaction will be assigned a single level 2 category. If the transaction cannot be assigned a level 2 category, it may be assigned a level 1 category.
A transaction with a level 2 category will not contain the explicit detail of the level 1 category, but it can be inferred (a level 2 category can only belong to one level 1 category).
A transaction with a level 1 category may have this because it does not fit within any of the level 2 categories, or because Inscribe has not been able to discern which is the correct level 2 category.
Some categories will be restricted to account type (business vs personal) or amount direction (debit vs credit).
The full hierarchy is contained in the table below:
Level 1 Category
Level 2 Category
Description
Bank Charge
OVERDRAFT
Fees charged by a bank when it temporarily covers transactions that overdraw the account (or the refund of this fee)
Bank Charge
NSF
"Not Sufficient Funds" - A fee charged by a bank when they decline payments or the cashing of checks that would bring the account to a negative balance (or the refund of this fee)
Bank Charge
NONE
Any other amounts charged by the customer's bank, payment processor or other financial instituition, not covered above
Entertainment
GAMBLING
Transactions related to gambling activity, including both outward payments and receipt of winnings
Entertainment
NONE
Transactions related to any other forms of entertainment, not covered above
Transport
FUEL
Fuel purchased for vehicles
Transport
NONE
Transactions related to any other transport expenditure, not covered above
Income
COMMISSION_RECEIVED
Commission received over and above customer's regularly salary
Income
REVENUE
Income related to goods and services sold by the (business) customer
Income
SALARY
Consumer's wages or salary
Income
SOCIAL_SECURITY
Consumer's social security payment receipts
Income
INTEREST_RECEIVED
Interest earned on credit balances
Income
NONE
Any other form of income not covered above
LOAN
MCA
Merchant Cash Advance - an advance made to a business in return for a share of future revenue
LOAN
PAYDAY
Pay Day Loan - A short term, usuaully high interest, consumer loan
LOAN
BUY_NOW_PAY_LATER_
Repayments to Buy Now Pay Later companies e.g. Klarna
LOAN
MORTGAGE
Repayments to a mortgage loan, including repayment and disbursements
LOAN
AUTO_LOAN
Repayments to an automobile loan/ lease, including repayment and disbursements
LOAN
INTEREST_PAID
Any interest amounts paid in isolation, i.e. not included in loan capital repayments
LOAN
CARD_REPAYMENT
Repayments to a credit card
LOAN
NONE
Any other loan related transaction, not listed above, including repayment and disbursements
PERSONNEL
NONE
Business outgoing amounts related to personnel. Generally wages and salaries, but could also include employee expenses
PEER_TO_PEER
NONE
Tranfer of money between accounts of different owners, including using apps like Zelle and Venmo
REFUND
NONE
Reversal of purchase transaction, either crediting the account of the purchaser, or debiting the account of the seller
RENT
NONE
Money paid for permanent accommodation or business premises
SELF_TRANSFER
NONE
Money paid into an account from another account controlled by the customer
TAX
NONE
Tax paid
TRADING
CRYPTO_TRADING
Trading transaction, specifically related to Crypto currency
TRADING
NONE
Transactions related to any other form of trading, not covered above
WITHDRAWAL
NONE
Withdrawal of cash from the account (e.g. ATM or over the counter)
RETIREMENT
NONE
Regular income paid out a consumer's 401k into their bank account
INVESTMENTS
SWEEP_TRANSFER
Movement of funds between a business's accounts in order to optimise interest earned/ paid
INVESTMENTS
SAVINGS
Funds paid into a savings vehicle
INVESTMENTS
NONE
Investments, not listed above
INFRASTRUCTURE
NONE
Assets and software required for the running of the business. E.g. HR platform, accounting software etc
INSURANCE
NONE
Funds paid toward an insurance policy, or received from an insurance payout
ACCOMMODATION
NONE
Funds related to general accommodation
FOOD_AND_DRINK
NONE
Funds related to food and drinks
GROCERIES
NONE
Funds related to grocery shopping
HOTELS
NONE
Funds related to hotel accommodation (or similar)
RETAIL & ECOMMERCE
NONE
Funds related to other retail activities
UTILITIES
NONE
Payments towards the customer's energy bills, e.g. gas, electricity, water, internet
\n\n## Hierarchy\n\nTransaction categories adhere to a simple, two level taxonomy. A level 1 category may have one or more level 2 categories. \n\nWhere possible, a transaction will be assigned a single level 2 category. If the transaction cannot be assigned a level 2 category, it may be assigned a level 1 category. \n\nA transaction with a level 2 category will not contain the explicit detail of the level 1 category, but it can be inferred (a level 2 category can only belong to one level 1 category).\n\nA transaction with a level 1 category may have this because it does not fit within any of the level 2 categories, or because Inscribe has not been able to discern which is the correct level 2 category.\n\nSome categories will be restricted to account type (business vs personal) or amount direction (debit vs credit).\n\n \n\nThe full hierarchy is contained in the table below:\n\n| Level 1 Category | Level 2 Category | Description |\n| :----------------- | :------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Bank Charge | OVERDRAFT | Fees charged by a bank when it temporarily covers transactions that overdraw the account (or the refund of this fee) |\n| Bank Charge | NSF | \"Not Sufficient Funds\" - A fee charged by a bank when they decline payments or the cashing of checks that would bring the account to a negative balance (or the refund of this fee) |\n| Bank Charge | NONE | Any other amounts charged by the customer's bank, payment processor or other financial instituition, not covered above |\n| Entertainment | GAMBLING | Transactions related to gambling activity, including both outward payments and receipt of winnings |\n| Entertainment | NONE | Transactions related to any other forms of entertainment, not covered above |\n| Transport | FUEL | Fuel purchased for vehicles |\n| Transport | NONE | Transactions related to any other transport expenditure, not covered above |\n| Income | COMMISSION_RECEIVED | Commission received over and above customer's regularly salary |\n| Income | REVENUE | Income related to goods and services sold by the (business) customer |\n| Income | SALARY | Consumer's wages or salary |\n| Income | SOCIAL_SECURITY | Consumer's social security payment receipts |\n| Income | INTEREST_RECEIVED | Interest earned on credit balances |\n| Income | NONE | Any other form of income not covered above |\n| LOAN | MCA | Merchant Cash Advance - an advance made to a business in return for a share of future revenue |\n| LOAN | PAYDAY | Pay Day Loan - A short term, usuaully high interest, consumer loan |\n| LOAN | BUY_NOW_PAY_LATER\\_ | Repayments to Buy Now Pay Later companies e.g. Klarna |\n| LOAN | MORTGAGE | Repayments to a mortgage loan, including repayment and disbursements |\n| LOAN | AUTO_LOAN | Repayments to an automobile loan/ lease, including repayment and disbursements |\n| LOAN | INTEREST_PAID | Any interest amounts paid in isolation, i.e. not included in loan capital repayments |\n| LOAN | CARD_REPAYMENT | Repayments to a credit card |\n| LOAN | NONE | Any other loan related transaction, not listed above, including repayment and disbursements |\n| PERSONNEL | NONE | Business outgoing amounts related to personnel. Generally wages and salaries, but could also include employee expenses |\n| PEER_TO_PEER | NONE | Tranfer of money between accounts of different owners, including using apps like Zelle and Venmo |\n| REFUND | NONE | Reversal of purchase transaction, either crediting the account of the purchaser, or debiting the account of the seller |\n| RENT | NONE | Money paid for permanent accommodation or business premises |\n| SELF_TRANSFER | NONE | Money paid into an account from another account controlled by the customer |\n| TAX | NONE | Tax paid |\n| TRADING | CRYPTO_TRADING | Trading transaction, specifically related to Crypto currency |\n| TRADING | NONE | Transactions related to any other form of trading, not covered above |\n| WITHDRAWAL | NONE | Withdrawal of cash from the account (e.g. ATM or over the counter) |\n| RETIREMENT | NONE | Regular income paid out a consumer's 401k into their bank account |\n| INVESTMENTS | SWEEP_TRANSFER | Movement of funds between a business's accounts in order to optimise interest earned/ paid |\n| INVESTMENTS | SAVINGS | Funds paid into a savings vehicle |\n| INVESTMENTS | NONE | Investments, not listed above |\n| INFRASTRUCTURE | NONE | Assets and software required for the running of the business. E.g. HR platform, accounting software etc |\n| INSURANCE | NONE | Funds paid toward an insurance policy, or received from an insurance payout |\n| ACCOMMODATION | NONE | Funds related to general accommodation |\n| FOOD_AND_DRINK | NONE | Funds related to food and drinks |\n| GROCERIES | NONE | Funds related to grocery shopping |\n| HOTELS | NONE | Funds related to hotel accommodation (or similar) |\n| RETAIL & ECOMMERCE | NONE | Funds related to other retail activities |\n| UTILITIES | NONE | Payments towards the customer's energy bills, e.g. gas, electricity, water, internet |\n\n \n\n## Retrieving Enriched Transactions via API\n\nSee our API docs for further details [here](https://docs.inscribe.ai/reference/getcustomertransactions).","dehydrated":{"toc":"","body":"
Transaction Enrichment provides additional context on a transaction beyond just the description and amount
\n\n
Category - what kind of payment is this? What level of risk does it carry?
\n
Merchant - who is the counterparty to this transaction?
\n
Payment Processor - what, if any, third party is processing the payment (e.g. PayPal, Zelle etc.)
\n\n \n
Hierarchy
\n
Transaction categories adhere to a simple, two level taxonomy. A level 1 category may have one or more level 2 categories.
\n
Where possible, a transaction will be assigned a single level 2 category. If the transaction cannot be assigned a level 2 category, it may be assigned a level 1 category.
\n
A transaction with a level 2 category will not contain the explicit detail of the level 1 category, but it can be inferred (a level 2 category can only belong to one level 1 category).
\n
A transaction with a level 1 category may have this because it does not fit within any of the level 2 categories, or because Inscribe has not been able to discern which is the correct level 2 category.
\n
Some categories will be restricted to account type (business vs personal) or amount direction (debit vs credit).
\n \n
The full hierarchy is contained in the table below:
Fees charged by a bank when it temporarily covers transactions that overdraw the account (or the refund of this fee)
Bank Charge
NSF
"Not Sufficient Funds" - A fee charged by a bank when they decline payments or the cashing of checks that would bring the account to a negative balance (or the refund of this fee)
Bank Charge
NONE
Any other amounts charged by the customer's bank, payment processor or other financial instituition, not covered above
Entertainment
GAMBLING
Transactions related to gambling activity, including both outward payments and receipt of winnings
Entertainment
NONE
Transactions related to any other forms of entertainment, not covered above
Transport
FUEL
Fuel purchased for vehicles
Transport
NONE
Transactions related to any other transport expenditure, not covered above
Income
COMMISSION_RECEIVED
Commission received over and above customer's regularly salary
Income
REVENUE
Income related to goods and services sold by the (business) customer
Income
SALARY
Consumer's wages or salary
Income
SOCIAL_SECURITY
Consumer's social security payment receipts
Income
INTEREST_RECEIVED
Interest earned on credit balances
Income
NONE
Any other form of income not covered above
LOAN
MCA
Merchant Cash Advance - an advance made to a business in return for a share of future revenue
LOAN
PAYDAY
Pay Day Loan - A short term, usuaully high interest, consumer loan
LOAN
BUY_NOW_PAY_LATER_
Repayments to Buy Now Pay Later companies e.g. Klarna
LOAN
MORTGAGE
Repayments to a mortgage loan, including repayment and disbursements
LOAN
AUTO_LOAN
Repayments to an automobile loan/ lease, including repayment and disbursements
LOAN
INTEREST_PAID
Any interest amounts paid in isolation, i.e. not included in loan capital repayments
LOAN
CARD_REPAYMENT
Repayments to a credit card
LOAN
NONE
Any other loan related transaction, not listed above, including repayment and disbursements
PERSONNEL
NONE
Business outgoing amounts related to personnel. Generally wages and salaries, but could also include employee expenses
PEER_TO_PEER
NONE
Tranfer of money between accounts of different owners, including using apps like Zelle and Venmo
REFUND
NONE
Reversal of purchase transaction, either crediting the account of the purchaser, or debiting the account of the seller
RENT
NONE
Money paid for permanent accommodation or business premises
SELF_TRANSFER
NONE
Money paid into an account from another account controlled by the customer
TAX
NONE
Tax paid
TRADING
CRYPTO_TRADING
Trading transaction, specifically related to Crypto currency
TRADING
NONE
Transactions related to any other form of trading, not covered above
WITHDRAWAL
NONE
Withdrawal of cash from the account (e.g. ATM or over the counter)
RETIREMENT
NONE
Regular income paid out a consumer's 401k into their bank account
INVESTMENTS
SWEEP_TRANSFER
Movement of funds between a business's accounts in order to optimise interest earned/ paid
INVESTMENTS
SAVINGS
Funds paid into a savings vehicle
INVESTMENTS
NONE
Investments, not listed above
INFRASTRUCTURE
NONE
Assets and software required for the running of the business. E.g. HR platform, accounting software etc
INSURANCE
NONE
Funds paid toward an insurance policy, or received from an insurance payout
ACCOMMODATION
NONE
Funds related to general accommodation
FOOD_AND_DRINK
NONE
Funds related to food and drinks
GROCERIES
NONE
Funds related to grocery shopping
HOTELS
NONE
Funds related to hotel accommodation (or similar)
RETAIL & ECOMMERCE
NONE
Funds related to other retail activities
UTILITIES
NONE
Payments towards the customer's energy bills, e.g. gas, electricity, water, internet
"},"mdx":false,"opts":{"alwaysThrow":false,"compatibilityMode":false,"copyButtons":true,"correctnewlines":false,"markdownOptions":{"fences":true,"commonmark":true,"gfm":true,"ruleSpaces":false,"listItemIndent":"1","spacedTable":true,"paddedTable":true},"normalize":true,"lazyImages":true,"reusableContent":{"tags":{}},"safeMode":false,"settings":{"position":true},"theme":"light","customBlocks":{},"resourceID":"66d07937afc9b6003d6cd506","resourceType":"page","baseUrl":"/","terms":[{"_id":"647f347b888dd0003bcf755f","term":"Balance","definition":"A balance is the amount of money remaining in an account or financial instrument after all debits (withdrawals) and credits (deposits) have been accounted for. The closing balance refers to this value at the end of the bank statement period, while opening balance refers to this value at the beginning of the bank statement period (i.e. the previous period's closing balance)."},{"_id":"647f38e4262f170048662f9b","term":"Customer","definition":"A Customer is an Inscribe entity representing persons or businesses through documents and open banking data."},{"_id":"647f38f617b6c61330a12bbc","term":"Income Streams","definition":"Income streams describe the various avenues in which an entity (person or business) receives income. Consider a case where an individual receives a salary for full-time employment, but also earns sporadic income from a side business. These two income sources are referred to as “streams”."},{"_id":"647f390a15d5fa11b434be6b","term":"Loan Disbursement","definition":"A loan disbursement is the distribution of funds from the lending institution to the borrower. 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In other words, it refers to a negative balance in the bank account due to the account holder exceeding their general funds."},{"_id":"647f396cd5617a004e00a398","term":"Period","definition":"A period is a specific duration or time interval, and it could represent a segment of time, such as an hour, day, week, month, quarter, or year. For example, a bank statement may be prepared for a specific accounting period, such as the fiscal year or a quarterly period."},{"_id":"647f3979201b4300559c8998","term":"Personal Income","definition":"Personal income is the total amount of money a person earns from various sources over a specific period. 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Category - what kind of payment is this? What level of risk does it carry?\n2. Merchant - who is the counterparty to this transaction?\n3. Payment Processor - what, if any, third party is processing the payment (e.g. PayPal, Zelle etc.)\n\n \n\n## Hierarchy\n\nTransaction categories adhere to a simple, two level taxonomy. A level 1 category may have one or more level 2 categories. \n\nWhere possible, a transaction will be assigned a single level 2 category. If the transaction cannot be assigned a level 2 category, it may be assigned a level 1 category. \n\nA transaction with a level 2 category will not contain the explicit detail of the level 1 category, but it can be inferred (a level 2 category can only belong to one level 1 category).\n\nA transaction with a level 1 category may have this because it does not fit within any of the level 2 categories, or because Inscribe has not been able to discern which is the correct level 2 category.\n\nSome categories will be restricted to account type (business vs personal) or amount direction (debit vs credit).\n\n \n\nThe full hierarchy is contained in the table below:\n\n| Level 1 Category | Level 2 Category | Description |\n| :----------------- | :------------------ | :---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |\n| Bank Charge | OVERDRAFT | Fees charged by a bank when it temporarily covers transactions that overdraw the account (or the refund of this fee) |\n| Bank Charge | NSF | \"Not Sufficient Funds\" - A fee charged by a bank when they decline payments or the cashing of checks that would bring the account to a negative balance (or the refund of this fee) |\n| Bank Charge | NONE | Any other amounts charged by the customer's bank, payment processor or other financial instituition, not covered above |\n| Entertainment | GAMBLING | Transactions related to gambling activity, including both outward payments and receipt of winnings |\n| Entertainment | NONE | Transactions related to any other forms of entertainment, not covered above |\n| Transport | FUEL | Fuel purchased for vehicles |\n| Transport | NONE | Transactions related to any other transport expenditure, not covered above |\n| Income | COMMISSION_RECEIVED | Commission received over and above customer's regularly salary |\n| Income | REVENUE | Income related to goods and services sold by the (business) customer |\n| Income | SALARY | Consumer's wages or salary |\n| Income | SOCIAL_SECURITY | Consumer's social security payment receipts |\n| Income | INTEREST_RECEIVED | Interest earned on credit balances |\n| Income | NONE | Any other form of income not covered above |\n| LOAN | MCA | Merchant Cash Advance - an advance made to a business in return for a share of future revenue |\n| LOAN | PAYDAY | Pay Day Loan - A short term, usuaully high interest, consumer loan |\n| LOAN | BUY_NOW_PAY_LATER\\_ | Repayments to Buy Now Pay Later companies e.g. Klarna |\n| LOAN | MORTGAGE | Repayments to a mortgage loan, including repayment and disbursements |\n| LOAN | AUTO_LOAN | Repayments to an automobile loan/ lease, including repayment and disbursements |\n| LOAN | INTEREST_PAID | Any interest amounts paid in isolation, i.e. not included in loan capital repayments |\n| LOAN | CARD_REPAYMENT | Repayments to a credit card |\n| LOAN | NONE | Any other loan related transaction, not listed above, including repayment and disbursements |\n| PERSONNEL | NONE | Business outgoing amounts related to personnel. Generally wages and salaries, but could also include employee expenses |\n| PEER_TO_PEER | NONE | Tranfer of money between accounts of different owners, including using apps like Zelle and Venmo |\n| REFUND | NONE | Reversal of purchase transaction, either crediting the account of the purchaser, or debiting the account of the seller |\n| RENT | NONE | Money paid for permanent accommodation or business premises |\n| SELF_TRANSFER | NONE | Money paid into an account from another account controlled by the customer |\n| TAX | NONE | Tax paid |\n| TRADING | CRYPTO_TRADING | Trading transaction, specifically related to Crypto currency |\n| TRADING | NONE | Transactions related to any other form of trading, not covered above |\n| WITHDRAWAL | NONE | Withdrawal of cash from the account (e.g. ATM or over the counter) |\n| RETIREMENT | NONE | Regular income paid out a consumer's 401k into their bank account |\n| INVESTMENTS | SWEEP_TRANSFER | Movement of funds between a business's accounts in order to optimise interest earned/ paid |\n| INVESTMENTS | SAVINGS | Funds paid into a savings vehicle |\n| INVESTMENTS | NONE | Investments, not listed above |\n| INFRASTRUCTURE | NONE | Assets and software required for the running of the business. E.g. HR platform, accounting software etc |\n| INSURANCE | NONE | Funds paid toward an insurance policy, or received from an insurance payout |\n| ACCOMMODATION | NONE | Funds related to general accommodation |\n| FOOD_AND_DRINK | NONE | Funds related to food and drinks |\n| GROCERIES | NONE | Funds related to grocery shopping |\n| HOTELS | NONE | Funds related to hotel accommodation (or similar) |\n| RETAIL & ECOMMERCE | NONE | Funds related to other retail activities |\n| UTILITIES | NONE | Payments towards the customer's energy bills, e.g. gas, electricity, water, internet |\n\n \n\n## Retrieving Enriched Transactions via API\n\nSee our API docs for further details [here](https://docs.inscribe.ai/reference/getcustomertransactions).","mdxAltBody":"","order":0,"isReference":false,"deprecated":false,"hidden":false,"sync_unique":"","link_url":"","link_external":false,"reusableContent":[],"previousSlug":"","slugUpdatedAt":"2024-08-29T13:33:30.374Z","revision":21,"user":"63930836c8ca0c004f42d074","project":"5df79e18cd578702170ae4ca","category":{"_id":"66d078f9f6af95000f12987a","title":"Transactions","slug":"transactions","order":4,"reference":false,"project":"5df79e18cd578702170ae4ca","version":"5e8b3f48e9d3c100574d7eba","createdAt":"2024-08-29T13:34:49.547Z","__v":0,"type":"guide","id":"66d078f9f6af95000f12987a"},"createdAt":"2024-08-29T13:35:51.902Z","updatedAt":"2025-03-27T10:27:41.766Z","version":{"pdfStatus":"","source":"readme","_id":"5e8b3f48e9d3c100574d7eba","version":"2.0","version_clean":"2.0.0","codename":"Latest","is_stable":true,"is_beta":false,"is_hidden":false,"is_deprecated":false,"categories":["5e8b3f48e9d3c100574d7e8b","5e8b3f48e9d3c100574d7e8c","5e8b3f48e9d3c100574d7e8d","5e8b3f48e9d3c100574d7e8e","5e8b3f48e9d3c100574d7e8f","5e8b3f48e9d3c100574d7e90","5fc7aef5bb3e47002f013734","609a9270d42c46007b02614a","6155d780f6b0610010c69c0e","6253f2cd09dfcd001a5c68cb","62540fd58748db038be6430c","6376b49c2ac94400030a7cd5","63a475bb0119610d67bf7999","647f592a12427200411ac3f9","66d078f9f6af95000f12987a","67bdcf2bf4e29f00612ee0b5","67bdd018a3f3a900309bff2f","67bdee8e72d5af000f042377"],"project":"5df79e18cd578702170ae4ca","__v":2,"forked_from":"5e567fc9d6d528005dd4f2b8","createdAt":"2019-12-16T15:09:12.578Z","releaseDate":"2019-12-16T15:09:12.578Z","updatedAt":"2025-02-25T16:23:42.872Z","apiRegistries":[]},"lastUpdatedHash":"ee5d14e16a5eba4d96499e3c6ef976a11cfc481a","__v":0,"parentDoc":null,"isApi":false,"tutorials":[],"id":"66d07937afc9b6003d6cd506"},"hideTOC":false,"meta":{"_id":"66d07937afc9b6003d6cd506","description":"Transaction Enrichment provides additional context on a transaction beyond just the description and amount Category - what kind of payment is this? 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