Gathr API Documentation
Log Support Ticket
  • ๐Ÿ‘‹Welcome
  • ๐ŸŽขGet Going
  • ๐Ÿ™‹โ€โ™€๏ธCustomers
    • Single Customer CRUD
      • โž•Create New Customer
      • ๐Ÿ”ŽFind a Single Customer
      • ๐Ÿ‘พGet Customer by Custom Property
      • โฌ†๏ธUpdate Customer
      • โŒDelete Customer
    • ๐Ÿ‘จโ€๐Ÿ‘ฉโ€๐Ÿ‘งโ€๐Ÿ‘ฆGet All Customers
    • ๐Ÿ“šGet Module Status of Customer
  • ๐Ÿ’ผBureau Information
    • ๐Ÿ†”Customer ID Verification - HANIS
    • ๐ŸŽญCustomer ID Verification
    • ๐Ÿ’ณTU - Credit Report
    • โœด๏ธTU - Credit Report and Score
    • โœณ๏ธXDS - Customer Credit Report and Score
  • ๐Ÿ”ŽAnti Money Laundering Screening
    • ๐Ÿ›ก๏ธAML Details
  • ๐Ÿ’ธConsumer Affordability [v1]
    • ๐Ÿ’ฐAffordability Introduction and Use Case [live edit]
    • ๐Ÿ†•Transaction Categorisation
    • Single Bank Account CRUD
      • โž•Create New Bank Account
      • ๐Ÿ”ŽFind a Single BankAccount
      • โฌ†๏ธUpdate BankAccount Type
      • โŒDelete BankAccount
    • ๐Ÿ’ปOnline Login
      • ๐Ÿ”—GathrLink Testing Data
      • ๐ŸŒSync Online Banking Accounts
      • ๐Ÿ‘ฝVerify Online Banking Account
    • ๐Ÿ”Repeat Online Login
      • ๐Ÿ”‚Repeat BankAccount Online Login
      • โœ…Return BankAccount Login Transaction History
    • ๐Ÿ“คBank Statement Upload
      • ๐ŸŒ…Bank Statement Upload V1.0
      • โšกBank Statement Upload V1.1
        • ๐Ÿ–จ๏ธScanned Statements
      • ๐Ÿ”Upload Bankstatement for a Customer v1.1 (Bank Identification Service)
      • ๐ŸŸ Consumer Fraud Score
    • ๐Ÿ“ณUSSD Statement
      • ๐Ÿ“ณUSSD Statement Collection
      • ๐Ÿ‘€USSD Activity Log
    • ๐Ÿ”ขTransactions
      • โš–๏ธReturn all Transactions from a Bank Account
      • ๐ŸŸฉReturn a Single Transaction
      • ๐Ÿ’ฐReturn All Accounts of a Bank Account
    • ๐Ÿ“ŠReports
      • ๐Ÿ’ถSummary Plus
      • ๐Ÿ’ดSummary Report
      • ๐Ÿ“ŠMonthly
      • ๐Ÿ“‰Expenses
      • ๐Ÿ“ˆIncome
      • ๐Ÿ““Debt
      • ๐ŸงฎAverages
    • ๐Ÿ“‘Statements
      • ๐Ÿ—ƒ๏ธReturn All Account Statements
      • ๐Ÿ“Return All Statements of a BankAccount
      • ๐ŸšฎReturn All Failed Statements
      • ๐Ÿ“„Return a Single Statement
      • ๐ŸŽ’Return Bankstatements for BankAccount
      • ๐ŸŸฅReturn Transactions for a Single Statement
    • ๐ŸฆBank Accounts
      • ๐ŸŽญValidate Bank Account Owner
  • ๐Ÿ†”Identity Validation
    • Single Identity CRUD
      • โž•Create New Identity
      • ๐Ÿ”ŽFind a Single Identity
      • โฌ†๏ธUpdate Identity
      • โŒDelete Identity
    • ๐Ÿ—‚๏ธUpload ID Document File
    • โ˜‘๏ธReturn Identity Document Validation
    • ๐Ÿ—ƒ๏ธReturn All Identity Documents
  • ๐ŸกAddress Validation
    • ๐Ÿ Address
      • Single Address CRUD
        • โž•Create New Address
        • ๐Ÿ”ŽFind a Single Address
        • โฌ†๏ธUpdate Address
        • โŒDelete Address
      • ๐ŸจGet All Addresses
    • ๐Ÿ“ƒAddress Documents
      • Single Address Document CRUD
        • โž•Create Address Document
        • ๐Ÿ”ŽFind a Single Address Document
        • โฌ†๏ธUpdate Address Document
        • โŒDelete Address Document
      • โœ…Return Address Document Validation
      • ๐Ÿ“–Get All Address Documents
  • ๐Ÿ”ฐAccount Verification
    • Single Account CRUD
      • โž•Create New Account
        • List of banks for Account Verification
      • ๐Ÿ”ŽFind a Single Account
      • โฌ†๏ธUpdate Account
      • โŒDelete Account
    • โœ…Return TU Account Verification
    • โ˜‘๏ธReturn DT Account Verification
    • ๐Ÿ’ณGet All Accounts
  • ๐ŸขBusinesses
    • Single Business CRUD Functions
      • ๐Ÿ™‹Create a Business for a Customer
      • ๐Ÿ™…Create a Business without a Customer
      • ๐Ÿ”ŽFind Business
      • ๐ŸจGet Business by Customer Property
      • โฌ†๏ธUpdate Business
      • ๐ŸšซDelete Business
    • ยฎ๏ธCipc Lookup
      • ๐ŸคBusiness CIPC Lookup
      • ๐Ÿ‘ฉโ€๐Ÿ’ผDirector CIPC Lookup
    • ๐ŸญGet All Businesses
  • ๐Ÿ›๏ธBusiness Affordability
    • Single Business Bank Account CRUD
      • โž•Create with Customer
      • โž•Create without Customer
      • ๐Ÿ”ŽFind a Single Business BankAccount
      • โฌ†๏ธUpdate Business BankAccount
      • โŒDelete Business BankAccount
    • โซBusiness Bank Statement Upload
      • ๐Ÿ“„Upload Business Bank Statement
      • ๐Ÿ๏ธReturn BankStatements for BankAccount
    • ๐Ÿ”ขBusiness Transactions
      • โš–๏ธReturn all Transactions from a Business Bank Account
      • ๐ŸŸฉReturn a Single Transaction
    • ๐Ÿ—ƒ๏ธAccounts
      • ๐Ÿ’ฐReturn All Accounts of a Bank Account
      • 1๏ธโƒฃReturn a Single Account
    • ๐Ÿ“‘Statements
      • ๐Ÿ—ƒ๏ธReturn All Statements of a BankAccount
      • ๐Ÿ“„Return a Single Statement
      • ๐ŸŸฅReturn Transactions for a Single Statement
    • ๐Ÿ“ˆReports
  • ๐ŸŽฐFincheck Engine Endpoints
    • ๐Ÿ“Get Quote
    • ๐Ÿ“‹Apply Now
  • โ“Gathr FAQs
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On this page
  • Transaction Categorisation Demo Video
  • How catering for refined transaction categorisation actually works?
  • How to enable refined transaction categorisation?
  • Take a look at the 36 transaction categories!
  1. Consumer Affordability [v1]

Transaction Categorisation

Build a comprehensive financial customer profile through our advanced machine learning technology. Enabling data risk modelling for data driven decision-making on financial products and services.

Last updated 6 months ago

Our innovative technology allows you to delve deep into the transactional behaviour of South African Customers through advanced transaction categorisation.

Beyond simple organisation, it comprehensively understands the context of each transaction, enabling insightful analysis and trend identification. This functionality will assist in building a robust assessment of a customer's individual's financial profile, capturing spending habits on groceries, investments, or even gambling, and much more.

Transaction Categorisation Demo Video

How catering for refined transaction categorisation actually works?

How to enable refined transaction categorisation?

As simple as setting a query parameter!

Take a look at the 36 transaction categories!

Debits

Primary Expenses
  • Accommodation

  • Groceries and Meals

  • Investment and Savings

  • Mobile Prepaid

  • School and University Fees

  • Travel Expense

  • Utilities

Obligation Expenses
  • Funeral Insurance

  • General Insurance

  • Health Insurance

  • Home Loan Finance

  • Life Insurance

  • Loan Repayments

  • Mobile Contract

  • Recurring Debit Order

  • Vehicle Insurance

  • Vehicle Loan Finance

Recurring Expenses
  • Recurring General Expense

Other Expenses
  • Bank Fees

  • Entertainment

  • Failed Debit Order

  • Failed Transaction

  • Gambling

  • General Expense

  • Other Expenses

  • Transfers

  • Withdrawal

  • Unknown

Credits

Main Income

The highest credit value with the below transaction categories:

  • Grant

  • Pension

  • Salary

  • Wage

Income
  • Grant

  • Pension

  • Salary

  • Transfer

  • Wage

Other Income
  • Dispute Reversal

  • Failed Debit Order

  • Failed Transaction

  • Funeral Insurance

  • Gambling

  • General Insurance

  • Health Insurance

  • Investment and Savings

  • Home Loan Finance

  • Life Insurance

  • Other Income

  • Personal Loan Finance

  • Transfers

  • Vehicle Insurance

  • Vehicle Loan Finance

  • Unknown

๐Ÿ’ธ
๐Ÿ†•

To enable on online statement retrieval set the query parameter for category_engine as

x-finch.

To enable on statement upload set the query parameter for category_engine as

x-finch.

To enable on USSD statement retrieval set the query parameter for category_engine as

x-finch.

Online Statement Retrieval
Statement Upload
USSD Statement Retrieval
Transaction Categorisation Demo Video
How refined transaction categorisation works