Our power users and personal finance management (PFM) providers will love December's updates: instant AI-powered answers in our developer docs, more accurate transaction insights and standardized merchant logos for the PFM user experience, and improved detection of “inactive” recurring income statuses for more accurate verification.
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PFM Enhancements
Your users expect accurate, easy-to-understand transactions in your product;. Paychecks and direct deposits now appear as income over employer-related categories, payment processors like Toast and Square are hidden so users see the actual merchant they visited, and all logos display consistently.
The result: more accurate insights, clearer transaction histories, and users who confidently use your product.
Income vs Merchant Categorization
Financial transaction types now take priority over merchant names.
- Payroll, deposits, and transfers display first, even when income comes from recognizable merchants
- Eliminates the confusing "negative spend" that appeared when paychecks were miscategorized
Payment Processor Cleanup
Payment processors now appear only in the background as counterparties instead of the primary merchant.
- Your users see the actual name of the restaurant or store they visited
Standardized Merchant Logos
All merchant logos are now standardized at 256×256 PNG with consistent backgrounds.
- No more broken links or invisible logos
Improved Recurring Income Status
Clients using our recurring income data can now see when a user has an "inactive" recurring income status in the Recurring Income API response. This addresses a past scenario where a borrower would have an "active" recurring income status even if the last transaction we received from them was more than 30 days prior. Status is now recalculated in real-time so you'll never work with stale snapshots.
What changed:
- Recurrence status updates dynamically at GET request time
- If a user’s last transaction is 30+ days old, all streams return as "unknown"
- Applies to all recurring endpoints: income, expenditures, inflows, outflows
API Performance Improvements
Transaction IDs in Unified Insights
A new parameter lets you request just transaction IDs instead of full transaction details, reducing payload size by up to 85% and improving speed for high-volume integrations.
- New
with_transaction_idsparameter returns only IDs - Dramatically smaller API responses
- Faster performance when processing large volumes of data
