Unlock your card transaction data

Ready to leverage real-time card data for customer and retail intelligence?

From customer loyalty to retail trends, business expense management to spending insights. Whether you’re looking to enhance your core offering, or provide analytics as a value added service to your clients, our APIs handle real-time and overnight card data (AS2805 / ISO8583 standards) with market-leading accuracy.

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Unlock your card transaction data

Ready to leverage real-time card data for customer and retail intelligence?

From customer loyalty to retail trends, business expense management to spending insights. Whether you’re looking to enhance your core offering, or provide analytics as a value added service to your clients, our APIs handle real-time and overnight card data (AS2805 / ISO8583 standards) with market-leading accuracy.

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Here’s what you can do with card data intelligence

  • Cleaner statements: Provide customers with clean and categorised credit card statements to show them exactly where they are spending

  • Loyalty & Rewards: Allow retail partners to create dynamic discounts based on time, store, and location. No POS integration or terminal ID required.

  • Expense management: Track and categorise employee spending on company credit cards to control and manage expenses

  • Debt capacity: Track customer spending and activity to identify opportunities to extend credit

  • Financial disclosures: Accurate categorisation of credit card expenses for legal financial disclosures

  • Merchant analytics: Discover trends in customer behaviour, activity, share of wallet, and retail performance by cohort, store, location, suburb and more

Here’s what you can do with card data intelligence

  • Cleaner statements: Provide customers with clean and categorised credit card statements to show them exactly where they are spending

  • Loyalty & Rewards: Allow retail partners to create dynamic discounts based on time, store, and location. No POS integration or terminal ID required.

  • Loyalty & Rewards: Allow retail partners to create dynamic discounts based on time, store, and location. No POS integration or terminal ID required.

  • Expense management: Track and categorise employee spending on company credit cards to control and manage expenses

  • Debt capacity: Track customer spending and activity to identify opportunities to extend credit

  • Financial disclosures: Accurate categorisation of credit card expenses for legal financial disclosures

  • Merchant analytics: Discover trends in customer behaviour, activity, share of wallet, and retail performance by cohort, store, location, suburb and more

FINCHXP MACHINE LEARNING PLATFORM

Market leading accuracy

with Service Level guarantees

Fast onboarding

no card, bank or scheme integration required

Real-time or overnight

to support real-time rewards

Secure platform

Sydney-based servers using ISO-27001 services

Ready to take our APIs for a spin?

Here’s what you’ll get:

  • Account support and weekly monitoring of activity in your loyalty program

  • Overnight data intelligence service of up to 1 million end-users or 10 million transactions per job

  • 240+ categories for the modern, digital economy

  • Transaction information includes merchant name, location, and more

  • Service-level accuracy guarantee

  • API support for CSV, JSON, ORC, Apache Parquet and Avro formats

  • Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee

  • JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only

Create account

Ready to take our APIs for a spin?

Here’s what you’ll get:

  • Account support and weekly monitoring of activity in your loyalty program

  • Overnight data intelligence service of up to 1 million end-users or 10 million transactions per job

  • 240+ categories for the modern, digital economy

  • Transaction information includes merchant name, location, and more

  • Service-level accuracy guarantee

  • API support for CSV, JSON, ORC, Apache Parquet and Avro formats

  • Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee

  • JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only

Create account