Enrich

API reference for Enrich endpoint

For how-to guidance, see the Enrich documentation.

Endpoints
/transactions/enrichSend transaction data and retrieve enrichments
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/transactions/enrich

Enrich locally-held transaction data

The /transactions/enrich endpoint enriches raw transaction data generated by your own banking products or retrieved from other non-Plaid sources.

/transactions/enrich

Request fields

client_id
stringstring
Your Plaid API client_id. The client_id is required and may be provided either in the PLAID-CLIENT-ID header or as part of a request body.
secret
stringstring
Your Plaid API secret. The secret is required and may be provided either in the PLAID-SECRET header or as part of a request body.
account_type
requiredstringrequired, string
The account type for the requested transactions (either depository or credit).
transactions
required[object]required, [object]
An array of transaction objects to be enriched by Plaid. Maximum of 100 transactions per request.
id
requiredstringrequired, string
A unique ID for the transaction used to help you tie data back to your systems.
description
requiredstringrequired, string
The raw description of the transaction. If you have location data in available an unstructured format, it may be appended to the description field.
amount
requirednumberrequired, number
The absolute value of the transaction (>= 0). When testing Enrich, note that amount data should be realistic. Unrealistic or inaccurate amount data may result in reduced quality output.

Format: double
direction
requiredstringrequired, string
The direction of the transaction from the perspective of the account holder:
OUTFLOW - Includes outgoing transfers, purchases, and fees. (Typically represented as a negative value on checking accounts and debit cards and a positive value on credit cards.)
INFLOW - Includes incoming transfers, refunds, and income. (Typically represented as a positive value on checking accounts and debit cards and a negative value on credit cards.)

Possible values: INFLOW, OUTFLOW
iso_currency_code
requiredstringrequired, string
The ISO-4217 currency code of the transaction e.g. USD.
location
objectobject
A representation of where a transaction took place.
Use this field to pass in structured location information you may have about your transactions. Providing location data is optional but can increase result quality. If you have unstructured location information, it may be appended to the description field.
country
stringstring
The country where the transaction occurred.
region
stringstring
The region or state where the transaction occurred.
city
stringstring
The city where the transaction occurred.
address
stringstring
The street address where the transaction occurred.
postal_code
stringstring
The postal code where the transaction occurred.
mcc
stringstring
Merchant category codes (MCCs) are four-digit numbers that describe a merchant's primary business activities.
date_posted
stringstring
The date the transaction posted, in ISO 8601 (YYYY-MM-DD) format.

Format: date
options
objectobject
An optional object to be used with the request.
include_legacy_category
booleanboolean
Include legacy_category and legacy_category_id in the response (in addition to the default personal_finance_category).
Categories are based on Plaid's legacy taxonomy. For a full list of legacy categories, see /categories/get.

Default: false
personal_finance_category_version
stringstring
Indicates which version of the personal finance category taxonomy is being used. View PFCv2 and PFCv1 taxonomies.
If you enabled Transactions or Enrich before December 2025 you will receive the v1 taxonomy by default and may request v2 by explicitly setting this field to v2 in the request.
If you enabled Transactions or Enrich on or after December 2025, you may only receive the v2 taxonomy.

Possible values: v1, v2
/transactions/enrich
const transactionsToEnrich: Array<ClientProvidedTransaction> = [
  {
    id: '1',
    description: 'PURCHASE WM SUPERCENTER #1700',
    amount: 72.1,
    iso_currency_code: 'USD',
    location: {
      city: 'Poway',
      region: 'CA',
    },
    direction: EnrichTransactionDirection.Outflow,
  },
  {
    id: '2',
    description: 'DD DOORDASH BURGERKIN 855-123-4567 CA',
    amount: 28.34,
    iso_currency_code: 'USD',
    direction: EnrichTransactionDirection.Outflow,
  },
];

const request: TransactionsEnrichRequest = {
    account_type: 'depository',
    transactions: transactionsToEnrich,
};

const response = await client.transactionsEnrich(request);
const enrichedTransactions = response.data.enriched_transactions;
/transactions/enrich

Response fields

enriched_transactions
[object][object]
A list of enriched transactions.
id
stringstring
The unique ID for the transaction as provided by you in the request.
description
stringstring
The raw description of the transaction.
amount
numbernumber
The absolute value of the transaction (>= 0)

Format: double
direction
stringstring
The direction of the transaction from the perspective of the account holder:
OUTFLOW - Includes outgoing transfers, purchases, and fees. (Typically represented as a negative value on checking accounts and debit cards and a positive value on credit cards.)
INFLOW - Includes incoming transfers, refunds, and income. (Typically represented as a positive value on checking accounts and debit cards and a negative value on credit cards.)

Possible values: INFLOW, OUTFLOW
iso_currency_code
stringstring
The ISO-4217 currency code of the transaction e.g. USD.
enrichments
objectobject
A grouping of the Plaid produced transaction enrichment fields.
counterparties
[object][object]
The counterparties present in the transaction. Counterparties, such as the merchant or the financial institution, are extracted by Plaid from the raw description.
name
stringstring
The name of the counterparty, such as the merchant or the financial institution, as extracted by Plaid from the raw description.
entity_id
nullablestringnullable, string
A unique, stable, Plaid-generated ID that maps to the counterparty.
type
stringstring
The counterparty type.
merchant: a provider of goods or services for purchase financial_institution: a financial entity (bank, credit union, BNPL, fintech) payment_app: a transfer or P2P app (e.g. Zelle) marketplace: a marketplace (e.g DoorDash, Google Play Store) payment_terminal: a point-of-sale payment terminal (e.g Square, Toast) income_source: the payer in an income transaction (e.g., an employer, client, or government agency)

Possible values: merchant, financial_institution, payment_app, marketplace, payment_terminal, income_source
website
nullablestringnullable, string
The website associated with the counterparty.
logo_url
nullablestringnullable, string
The URL of a logo associated with the counterparty, if available. The logo will always be 100×100 pixel PNG file.
confidence_level
nullablestringnullable, string
A description of how confident we are that the provided counterparty is involved in the transaction.
VERY_HIGH: We recognize this counterparty and we are more than 98% confident that it is involved in this transaction. HIGH: We recognize this counterparty and we are more than 90% confident that it is involved in this transaction. MEDIUM: We are moderately confident that this counterparty was involved in this transaction, but some details may differ from our records. LOW: We didn’t find a matching counterparty in our records, so we are returning a cleansed name parsed out of the request description. UNKNOWN: We don’t know the confidence level for this counterparty.
phone_number
nullablestringnullable, string
The phone number associated with the counterparty in E. 164 format. If there is a location match (i.e. a street address is returned in the location object), the phone number will be location specific.
account_numbers
nullableobjectnullable, object
Account numbers associated with the counterparty, when available. This field is currently only filled in for select financial institutions in Europe.
bacs
nullableobjectnullable, object
Identifying information for a UK bank account via BACS.
account
nullablestringnullable, string
The BACS account number for the account.
sort_code
nullablestringnullable, string
The BACS sort code for the account.
international
nullableobjectnullable, object
Account numbers using the International Bank Account Number and BIC/SWIFT code format.
iban
nullablestringnullable, string
International Bank Account Number (IBAN).

Min length: 15
Max length: 34
bic
nullablestringnullable, string
Bank identifier code (BIC) for this counterparty.

Min length: 8
Max length: 11
entity_id
nullablestringnullable, string
A unique, stable, Plaid-generated ID that maps to the primary counterparty.
legacy_category_id
deprecatednullablestringdeprecated, nullable, string
The ID of the legacy category to which this transaction belongs. For a full list of legacy categories, see /categories/get.
We recommend using the personal_finance_category for transaction categorization to obtain the best results.
legacy_category
deprecatednullable[string]deprecated, nullable, [string]
A hierarchical array of the legacy categories to which this transaction belongs. For a full list of legacy categories, see /categories/get.
We recommend using the personal_finance_category for transaction categorization to obtain the best results.
location
objectobject
A representation of where a transaction took place. Location data is provided only for transactions at physical locations, not for online transactions. Location data availability depends primarily on the merchant and is most likely to be populated for transactions at large retail chains; small, local businesses are less likely to have location data available.
address
nullablestringnullable, string
The street address where the transaction occurred.
city
nullablestringnullable, string
The city where the transaction occurred.
region
nullablestringnullable, string
The region or state where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called state.
postal_code
nullablestringnullable, string
The postal code where the transaction occurred. In API versions 2018-05-22 and earlier, this field is called zip.
country
nullablestringnullable, string
The ISO 3166-1 alpha-2 country code where the transaction occurred.
lat
nullablenumbernullable, number
The latitude where the transaction occurred.

Format: double
lon
nullablenumbernullable, number
The longitude where the transaction occurred.

Format: double
store_number
nullablestringnullable, string
The merchant defined store number where the transaction occurred.
logo_url
nullablestringnullable, string
The URL of a logo associated with this transaction, if available. The logo will always be 100×100 pixel PNG file.
merchant_name
nullablestringnullable, string
The name of the primary counterparty, such as the merchant or the financial institution, as extracted by Plaid from the raw description.
payment_channel
stringstring
The channel used to make a payment. online: transactions that took place online.
in store: transactions that were made at a physical location.
other: transactions that relate to banks, e.g. fees or deposits.

Possible values: online, in store, other
phone_number
nullablestringnullable, string
The phone number associated with the counterparty in E. 164 format. If there is a location match (i.e. a street address is returned in the location object), the phone number will be location specific.
personal_finance_category
nullableobjectnullable, object
Information describing the intent of the transaction. Most relevant for personal finance use cases, but not limited to such use cases.
See the taxonomy CSV file for a full list of personal finance categories. If you are migrating to personal finance categories from the legacy categories, also refer to the migration guide.
primary
stringstring
A high level category that communicates the broad category of the transaction.
detailed
stringstring
A granular category conveying the transaction's intent. This field can also be used as a unique identifier for the category.
confidence_level
nullablestringnullable, string
A description of how confident we are that the provided categories accurately describe the transaction intent.
VERY_HIGH: We are more than 98% confident that this category reflects the intent of the transaction. HIGH: We are more than 90% confident that this category reflects the intent of the transaction. MEDIUM: We are moderately confident that this category reflects the intent of the transaction. LOW: This category may reflect the intent, but there may be other categories that are more accurate. UNKNOWN: We don’t know the confidence level for this category.
version
stringstring
Indicates which version of the personal finance category taxonomy is being used. View PFCv2 and PFCv1 taxonomies.
If you enabled Transactions or Enrich before December 2025 you will receive the v1 taxonomy by default and may request v2 by explicitly setting this field to v2 in the request.
If you enabled Transactions or Enrich on or after December 2025, you may only receive the v2 taxonomy.

Possible values: v1, v2
personal_finance_category_icon_url
stringstring
The URL of an icon associated with the primary personal finance category. The icon will always be 100×100 pixel PNG file.
website
nullablestringnullable, string
The website associated with this transaction.
request_id
stringstring
A unique identifier for the request, which can be used for troubleshooting. This identifier, like all Plaid identifiers, is case sensitive.
Response Object
{
  "enriched_transactions": [
    {
      "id": "6135818adda16500147e7c1d",
      "description": "PURCHASE WM SUPERCENTER #1700",
      "amount": 72.1,
      "direction": "OUTFLOW",
      "iso_currency_code": "USD",
      "enrichments": {
        "counterparties": [
          {
            "name": "Walmart",
            "type": "merchant",
            "logo_url": "https://plaid-merchant-logos.plaid.com/walmart_1100.png",
            "website": "walmart.com",
            "entity_id": "O5W5j4dN9OR3E6ypQmjdkWZZRoXEzVMz2ByWM",
            "confidence_level": "VERY_HIGH",
            "phone_number": "+18009256278"
          }
        ],
        "entity_id": "O5W5j4dN9OR3E6ypQmjdkWZZRoXEzVMz2ByWM",
        "location": {
          "address": "13425 Community Rd",
          "city": "Poway",
          "region": "CA",
          "postal_code": "92064",
          "country": "US",
          "store_number": "1700",
          "lat": 32.959068,
          "lon": -117.037666
        },
        "logo_url": "https://plaid-merchant-logos.plaid.com/walmart_1100.png",
        "merchant_name": "Walmart",
        "payment_channel": "in store",
        "personal_finance_category": {
          "detailed": "GENERAL_MERCHANDISE_SUPERSTORES",
          "primary": "GENERAL_MERCHANDISE",
          "confidence_level": "VERY_HIGH"
        },
        "phone_number": "+18009256278",
        "personal_finance_category_icon_url": "https://plaid-category-icons.plaid.com/PFC_GENERAL_MERCHANDISE.png",
        "website": "walmart.com"
      }
    },
    {
      "id": "3958434bhde9384bcmeo3401",
      "description": "DD DOORDASH BURGERKIN 855-123-4567 CA",
      "amount": 28.34,
      "direction": "OUTFLOW",
      "iso_currency_code": "USD",
      "enrichments": {
        "counterparties": [
          {
            "name": "DoorDash",
            "type": "marketplace",
            "logo_url": "https://plaid-counterparty-logos.plaid.com/doordash_1.png",
            "website": "doordash.com",
            "entity_id": "YNRJg5o2djJLv52nBA1Yn1KpL858egYVo4dpm",
            "confidence_level": "VERY_HIGH",
            "phone_number": "+18001234567"
          },
          {
            "name": "Burger King",
            "type": "merchant",
            "logo_url": "https://plaid-merchant-logos.plaid.com/burger_king_155.png",
            "website": "burgerking.com",
            "entity_id": "mVrw538wamwdm22mK8jqpp7qd5br0eeV9o4a1",
            "confidence_level": "VERY_HIGH",
            "phone_number": null
          }
        ],
        "location": {
          "address": null,
          "city": null,
          "region": null,
          "postal_code": null,
          "country": null,
          "store_number": null,
          "lat": null,
          "lon": null
        },
        "entity_id": "mVrw538wamwdm22mK8jqpp7qd5br0eeV9o4a1",
        "logo_url": "https://plaid-merchant-logos.plaid.com/burger_king_155.png",
        "merchant_name": "Burger King",
        "payment_channel": "online",
        "personal_finance_category": {
          "detailed": "FOOD_AND_DRINK_FAST_FOOD",
          "primary": "FOOD_AND_DRINK",
          "confidence_level": "VERY_HIGH"
        },
        "personal_finance_category_icon_url": "https://plaid-category-icons.plaid.com/PFC_FOOD_AND_DRINK.png",
        "phone_number": null,
        "website": "burgerking.com"
      }
    }
  ],
  "request_id": "Wvhy9PZHQLV8njG"
}