Enhance transactions

curl --request POST \
  --url https://int-api.mx.com/transactions/enhance \
  --header 'Accept-Version: <accept-version>' \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "transactions": [
    {
      "description": "ubr* pending.uber.com",
      "id": "ID-123",
      "amount": 61.11,
      "extended_transaction_type": "partner_transaction_type",
      "memo": "Additional-information*on_transaction",
      "merchant_category_code": 4121,
      "type": "DEBIT"
    }
  ]
}
'

import requests

url = "https://int-api.mx.com/transactions/enhance"

payload = { "transactions": [
        {
            "description": "ubr* pending.uber.com",
            "id": "ID-123",
            "amount": 61.11,
            "extended_transaction_type": "partner_transaction_type",
            "memo": "Additional-information*on_transaction",
            "merchant_category_code": 4121,
            "type": "DEBIT"
        }
    ] }
headers = {
    "Accept-Version": "<accept-version>",
    "Authorization": "Basic <encoded-value>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Accept-Version': '<accept-version>',
    Authorization: 'Basic <encoded-value>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    transactions: [
      {
        description: 'ubr* pending.uber.com',
        id: 'ID-123',
        amount: 61.11,
        extended_transaction_type: 'partner_transaction_type',
        memo: 'Additional-information*on_transaction',
        merchant_category_code: 4121,
        type: 'DEBIT'
      }
    ]
  })
};

fetch('https://int-api.mx.com/transactions/enhance', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://int-api.mx.com/transactions/enhance",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'transactions' => [
        [
                'description' => 'ubr* pending.uber.com',
                'id' => 'ID-123',
                'amount' => 61.11,
                'extended_transaction_type' => 'partner_transaction_type',
                'memo' => 'Additional-information*on_transaction',
                'merchant_category_code' => 4121,
                'type' => 'DEBIT'
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Accept-Version: <accept-version>",
    "Authorization: Basic <encoded-value>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://int-api.mx.com/transactions/enhance"

	payload := strings.NewReader("{\n  \"transactions\": [\n    {\n      \"description\": \"ubr* pending.uber.com\",\n      \"id\": \"ID-123\",\n      \"amount\": 61.11,\n      \"extended_transaction_type\": \"partner_transaction_type\",\n      \"memo\": \"Additional-information*on_transaction\",\n      \"merchant_category_code\": 4121,\n      \"type\": \"DEBIT\"\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Accept-Version", "<accept-version>")
	req.Header.Add("Authorization", "Basic <encoded-value>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://int-api.mx.com/transactions/enhance")
  .header("Accept-Version", "<accept-version>")
  .header("Authorization", "Basic <encoded-value>")
  .header("Content-Type", "application/json")
  .body("{\n  \"transactions\": [\n    {\n      \"description\": \"ubr* pending.uber.com\",\n      \"id\": \"ID-123\",\n      \"amount\": 61.11,\n      \"extended_transaction_type\": \"partner_transaction_type\",\n      \"memo\": \"Additional-information*on_transaction\",\n      \"merchant_category_code\": 4121,\n      \"type\": \"DEBIT\"\n    }\n  ]\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://int-api.mx.com/transactions/enhance")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Accept-Version"] = '<accept-version>'
request["Authorization"] = 'Basic <encoded-value>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"transactions\": [\n    {\n      \"description\": \"ubr* pending.uber.com\",\n      \"id\": \"ID-123\",\n      \"amount\": 61.11,\n      \"extended_transaction_type\": \"partner_transaction_type\",\n      \"memo\": \"Additional-information*on_transaction\",\n      \"merchant_category_code\": 4121,\n      \"type\": \"DEBIT\"\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body

{
  "transactions": [
    {
      "amount": 61.11,
      "categorized_by": 13,
      "category": "Paycheck",
      "category_guid": "CAT-b6d61a19-30a7-e852-2703-bdfb4072289e",
      "described_by": 6,
      "description": "Uber",
      "extended_transaction_type": "partner_transaction_type",
      "id": "ID-123",
      "is_bill_pay": false,
      "is_direct_deposit": false,
      "is_expense": false,
      "is_fee": false,
      "is_income": false,
      "is_international": false,
      "is_overdraft_fee": false,
      "is_payroll_advance": false,
      "is_subscription": false,
      "memo": "Additional-information*on_transaction",
      "merchant_category_code": 4121,
      "merchant_guid": "MCH-14f25b63-ef47-a38e-b2b6-d02b280b6e4e",
      "merchant_location_guid": "MCL-00024e59-18b5-4d79-b879-2a7896726fea",
      "original_description": "ubr* pending.uber.com",
      "top_level_category_guid": "CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8",
      "type": "DEBIT",
      "user_guid": "USR-fa7537f3-48aa-a683-a02a-b18940482f54"
    }
  ]
}

POST

transactions

enhance

Enhance transactions

curl --request POST \
  --url https://int-api.mx.com/transactions/enhance \
  --header 'Accept-Version: <accept-version>' \
  --header 'Authorization: Basic <encoded-value>' \
  --header 'Content-Type: application/json' \
  --data '
{
  "transactions": [
    {
      "description": "ubr* pending.uber.com",
      "id": "ID-123",
      "amount": 61.11,
      "extended_transaction_type": "partner_transaction_type",
      "memo": "Additional-information*on_transaction",
      "merchant_category_code": 4121,
      "type": "DEBIT"
    }
  ]
}
'

import requests

url = "https://int-api.mx.com/transactions/enhance"

payload = { "transactions": [
        {
            "description": "ubr* pending.uber.com",
            "id": "ID-123",
            "amount": 61.11,
            "extended_transaction_type": "partner_transaction_type",
            "memo": "Additional-information*on_transaction",
            "merchant_category_code": 4121,
            "type": "DEBIT"
        }
    ] }
headers = {
    "Accept-Version": "<accept-version>",
    "Authorization": "Basic <encoded-value>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'Accept-Version': '<accept-version>',
    Authorization: 'Basic <encoded-value>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    transactions: [
      {
        description: 'ubr* pending.uber.com',
        id: 'ID-123',
        amount: 61.11,
        extended_transaction_type: 'partner_transaction_type',
        memo: 'Additional-information*on_transaction',
        merchant_category_code: 4121,
        type: 'DEBIT'
      }
    ]
  })
};

fetch('https://int-api.mx.com/transactions/enhance', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://int-api.mx.com/transactions/enhance",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'transactions' => [
        [
                'description' => 'ubr* pending.uber.com',
                'id' => 'ID-123',
                'amount' => 61.11,
                'extended_transaction_type' => 'partner_transaction_type',
                'memo' => 'Additional-information*on_transaction',
                'merchant_category_code' => 4121,
                'type' => 'DEBIT'
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Accept-Version: <accept-version>",
    "Authorization: Basic <encoded-value>",
    "Content-Type: application/json"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://int-api.mx.com/transactions/enhance"

	payload := strings.NewReader("{\n  \"transactions\": [\n    {\n      \"description\": \"ubr* pending.uber.com\",\n      \"id\": \"ID-123\",\n      \"amount\": 61.11,\n      \"extended_transaction_type\": \"partner_transaction_type\",\n      \"memo\": \"Additional-information*on_transaction\",\n      \"merchant_category_code\": 4121,\n      \"type\": \"DEBIT\"\n    }\n  ]\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("Accept-Version", "<accept-version>")
	req.Header.Add("Authorization", "Basic <encoded-value>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://int-api.mx.com/transactions/enhance")
  .header("Accept-Version", "<accept-version>")
  .header("Authorization", "Basic <encoded-value>")
  .header("Content-Type", "application/json")
  .body("{\n  \"transactions\": [\n    {\n      \"description\": \"ubr* pending.uber.com\",\n      \"id\": \"ID-123\",\n      \"amount\": 61.11,\n      \"extended_transaction_type\": \"partner_transaction_type\",\n      \"memo\": \"Additional-information*on_transaction\",\n      \"merchant_category_code\": 4121,\n      \"type\": \"DEBIT\"\n    }\n  ]\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://int-api.mx.com/transactions/enhance")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["Accept-Version"] = '<accept-version>'
request["Authorization"] = 'Basic <encoded-value>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"transactions\": [\n    {\n      \"description\": \"ubr* pending.uber.com\",\n      \"id\": \"ID-123\",\n      \"amount\": 61.11,\n      \"extended_transaction_type\": \"partner_transaction_type\",\n      \"memo\": \"Additional-information*on_transaction\",\n      \"merchant_category_code\": 4121,\n      \"type\": \"DEBIT\"\n    }\n  ]\n}"

response = http.request(request)
puts response.read_body

{
  "transactions": [
    {
      "amount": 61.11,
      "categorized_by": 13,
      "category": "Paycheck",
      "category_guid": "CAT-b6d61a19-30a7-e852-2703-bdfb4072289e",
      "described_by": 6,
      "description": "Uber",
      "extended_transaction_type": "partner_transaction_type",
      "id": "ID-123",
      "is_bill_pay": false,
      "is_direct_deposit": false,
      "is_expense": false,
      "is_fee": false,
      "is_income": false,
      "is_international": false,
      "is_overdraft_fee": false,
      "is_payroll_advance": false,
      "is_subscription": false,
      "memo": "Additional-information*on_transaction",
      "merchant_category_code": 4121,
      "merchant_guid": "MCH-14f25b63-ef47-a38e-b2b6-d02b280b6e4e",
      "merchant_location_guid": "MCL-00024e59-18b5-4d79-b879-2a7896726fea",
      "original_description": "ubr* pending.uber.com",
      "top_level_category_guid": "CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8",
      "type": "DEBIT",
      "user_guid": "USR-fa7537f3-48aa-a683-a02a-b18940482f54"
    }
  ]
}

Use this endpoint to categorize, cleanse, and classify transactions. These transactions are not persisted or stored on the MX platform.

For more information on returned data, please see the Enhanced Transactions fields guide.

Authorizations

Authorization

string

header

required

The MX Platform API requires basic access authentication using your client_id and api_key. These credentials must be Base64 encoded and included in the Authorization header of each API request to ensure secure access.

Here's an example using curl to access v20250224. Replace https://int-api.mx.com/endpoint with the actual API endpoint you wish to access and your Base64 encoded client_id and api_key.

curl -L -X POST `https://int-api.mx.com/endpoint' \
-H 'Content-Type: application/json' \
-H 'Accept: application/json' \
-H 'Accept-Version: v20250224'
-H 'Authorization: Basic BASE_64_ENCODING_OF{client_id:api_key}'

Headers

Accept-Version

string

default:v20250224

required

MX Platform API version.

Example:

"v20250224"

Body

application/json

Transaction object to be enhanced

transactions

object[]

Hide child attributes

transactions.description

string

required

The description of the transaction to be enhanced.

Example:

"ubr* pending.uber.com"

transactions.id

string

required

The unique partner-defined identifier for the transaction.

Example:

"ID-123"

transactions.amount

number | null

The monetary amount of the transaction.

Example:

61.11

transactions.extended_transaction_type

string

The transaction type assigned by the partner.

Example:

"partner_transaction_type"

transactions.memo

string

This field contains additional descriptive information about the transaction.

Example:

"Additional-information*on_transaction"

transactions.merchant_category_code

integer

The ISO 18245 category code for the transaction.

Example:

4121

transactions.type

enum<string>

The type of transaction. Can be either CREDIT or DEBIT.

Available options:

CREDIT,

DEBIT

Example:

"DEBIT"

Response

200 - application/json

transactions

object[]

Hide child attributes

transactions.amount

number | null

The monetary amount of the transaction.

Example:

61.11

transactions.categorized_by

integer | null

The method used to determine the category assigned to the transaction.

Example:

13

transactions.category

string | null

The category of the transaction.

Example:

"Paycheck"

transactions.category_guid

string | null

The unique identifier for the category. Defined by MX.

Example:

"CAT-b6d61a19-30a7-e852-2703-bdfb4072289e"

transactions.described_by

integer | null

The method used to describe the transaction.

Example:

6

transactions.description

string | null

A human-readable version of the original_description field. This is provided by the MX Platform.

Example:

"Uber"

transactions.extended_transaction_type

string | null

The transaction type assigned by the partner.

Example:

"partner_transaction_type"

transactions.id

string | null

The unique partner-defined identifier for the transaction.

Example:

"ID-123"

transactions.is_bill_pay

boolean | null

Indicates whether the transaction is a bill payment.

Example:

false

transactions.is_direct_deposit

boolean | null

Indicates whether the transaction is a direct deposit.

Example:

false

transactions.is_expense

boolean | null

Indicates whether the transaction is an expense.

Example:

false

transactions.is_fee

boolean | null

Indicates whether the transaction is a fee.

Example:

false

transactions.is_income

boolean | null

Indicates whether the transaction is income.

Example:

false

transactions.is_international

boolean

Indicates whether the transaction is international. If the data provider determines it isn't international then it will be false. It will be null if the data provider does not have this information.

Example:

false

transactions.is_overdraft_fee

boolean | null

Indicates whether the transaction is an overdraft fee.

Example:

false

transactions.is_payroll_advance

boolean | null

Indicates whether the transaction is a payroll advance.

Example:

false

transactions.is_subscription

boolean | null

Indicates whether the transaction is a subscription payment.

Example:

false

transactions.memo

string | null

This field contains additional descriptive information about the transaction.

Example:

"Additional-information*on_transaction"

transactions.merchant_category_code

integer | null

The ISO 18245 category code for the transaction.

Example:

4121

transactions.merchant_guid

string | null

The unique identifier for the merchant associated with this transaction. Defined by MX.

Example:

"MCH-14f25b63-ef47-a38e-b2b6-d02b280b6e4e"

transactions.merchant_location_guid

string | null

The unique identifier for the merchant_location associated with this transaction. Defined by MX.

Example:

"MCL-00024e59-18b5-4d79-b879-2a7896726fea"

transactions.original_description

string | null

The original description of the transaction as provided by our data feed.

Example:

"ubr* pending.uber.com"

transactions.top_level_category_guid

string | null

The unique identifier for the top_level_category associated with this transaction. Defined by MX.

Example:

"CAT-9588eaad-90a4-bb5c-66c8-1812503d0db8"

transactions.type

enum<string> | null

The type of transaction.

Available options:

CREDIT,

DEBIT

Example:

"DEBIT"

transactions.user_guid

string | null

The unique identifier for the user. Defined by MX.

Example:

"USR-fa7537f3-48aa-a683-a02a-b18940482f54"

Transactions Overview

List transactions by account