Spade

Spade is a transaction enrichment platform for financial services. It takes the raw, messy descriptor on a card or bank transaction and returns a structured, verified record: the real merchant, its category, an exact location for physical purchases, and the logo and context needed to present it clearly. Enrichment runs in real time over an API, with a published P99 latency under 50 milliseconds, and the company processes billions of transactions a month. It is for fintechs building consumer and business products, enterprise banks unifying authorization and analytics, payment processors, and machine learning teams that need clean training data. The vendor organizes the platform into use cases: Risk and Authorization, which feeds merchant and location data into authorization decisions; Rewards and Attribution, which matches spend to merchants and locations for loyalty programs; Analytics and AI, which supplies merchant context across payment sources for personalized offers and cross sell; User Experience, which reduces disputes by making transactions recognizable; and AI Agents, an intelligence layer that lets agents act on enriched data. Integration is API based with developer documentation and real time monitoring. Pricing is usage based and quote driven. Three tiers are listed, Essentials, Advanced and Enterprise, but no amounts are shown and every tier routes to a sales contact. All tiers carry the same published service commitments: under 50 milliseconds average enrichment latency, 99 percent enrichment accuracy and a 99.9 percent uptime SLA.