Introduction to Enrich

Enrich (US/CA only) makes it easy to work with transaction data generated by your own banking products or retrieved from other non-Plaid sources. Enrich brings context and meaning to your data by enriching it with detailed merchant, category, and location information. The enriched data can be used to build apps and features that help users manage their cash flow, earn rewards, and discover other financial products to help them reach their financial goals.

Below is an example of the enrichments Plaid can provide for a transaction.

1PURCHASE WM SUPERCENTER #1700 POWAY CAUS

1"counterparties": [{
2   "name": "Walmart",
3   "type": "merchant",
4   "logo_url": "https://plaid-merchant-logos.plaid.com/walmart_1100.png",
5   "website": "walmart.com"
6   "entity_id": "O5W5j4dN9OR3E6ypQmjdkWZZRoXEzVMz2ByWM"
7 }],
8 "entity_id" : "O5W5j4dN9OR3E6ypQmjdkWZZRoXEzVMz2ByWM",
9 "location": {
10   "address": "13425 Community Rd",
11   "city": "Poway",
12   "region": "CA",
13   "country": "US",
14   "postal_code": "92064",
15   "store_number": "1700",
16   "lat": 32.959068,
17   "lon": -117.037666
18 },
19"logo_url": "https://plaid-merchant-logos.plaid.com/walmart_1100.png",
20"merchant_name": "Walmart",
21"payment_channel": "in store",
22"personal_finance_category": {
23  "detailed": "GENERAL_MERCHANDISE_SUPERSTORES",
24  "primary": "GENERAL_MERCHANDISE",
25},
26"personal_finance_category_icon_url": "https://plaid-category-icons.plaid.com/PFC_GENERAL_MERCHANDISE.png",
27"website": "walmart.com",

Enrich is available for use in all environments.

Sandbox: Test the integration with sample transaction data. Send a request with data from this preset list of sample transactions to receive a response.

Production: Get real enrichments for all your transactions. Test in Limited Production for free.

• If you don't yet have a Plaid plan, or are on a pay-as-you-go or growth plan, you can get access to Enrich by submitting a Production request.
• Existing Custom plan customers can self-enable for Enrich by agreeing to the terms of service in the Dashboard.

When testing Enrich in Production, make sure to use input data and amounts that are as realistic as possible, as all input fields, not just description, are used to analyze transactions.

For more details and best practices on testing Enrich, see the Enrich Testing Guide.

1. Prepare your transaction data for enrichment. Plaid accepts a maximum of 100 transactions per request. For each transaction, include the description, amount, direction, iso_currency_code and id. For the best results, provide values in the optional location, mcc, and/or date_posted fields, if available.
2. Call /transactions/enrich to send Plaid your transactions.
3. Plaid will provide an API response with all available enrichments for the transactions.

Enrich is billed on a flexible fee model; you will be billed based on the number of transactions sent for enrichment. To view the exact pricing you may be eligible for, apply for Production access or contact Sales. For more details about pricing and billing models, see Plaid billing.