Deliver the best UX
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enhanced merchant data Compliance
Visa & Mastercard- Ready Clarity For Every Purchase
糖心logo enables banks, fintechs and card issuers to comply with Visa鈥檚 Enhanced Merchant Data requirement and Mastercard鈥檚 AN4569 Revised Standards while transforming compliance into a digital experience customers love and trust.
Enhanced Data Rules are more than compliance. It鈥檚 a chance to redefine digital banking clarity.
Will you comply, or will you lead?
Confused transactions cost more than chargebacks. They cost engagement, trust, and loyalty.
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Visa鈥檚 (23 January 2027) and Mastercard鈥檚 (1 October 2023) Enhanced Merchant Data requirements sets the baseline, but leading banks go further, using enriched data to create seamless, transparent experiences that deepen loyalty.
糖心logo empowers you to lead with API that enriches card transactions, displaying recognisable merchants, locations, and verified details that turn every payment into a trusted interaction.聽
Why clarity matters for your customers and your brand
糖心logo helps elevate the post-purchase experience to the same level of excellence customers expect from global digital innovators such as Revolut or Monzo.
Compliance,
confidently delivered
Meet all requirements of Visa鈥檚 and Mastercards鈥檚 Enhanced Merchant Data rules on time and with confidence.
Trust that
cuts disputes
Reduce chargebacks and support calls by ensuring customers recognise every purchase instantly and intuitively.
Experiences that
build loyalty
Deliver post-purchase journeys that match leading fintech-level UX and remind customers why they love banking with you.
A brand that
feels human
Clarity builds emotional connection. Every clear transaction is a small moment of trust that compounds over time.
Trusted by 50+ global banks and fintechs
Elevate digital banking through clarity, trust and compliance by design
Merchant name
Make recognition effortless
Replace confusing and unstructured merchant descriptors with clean, localised names that customers instantly recognise.
Identification to the level of individual stores in large shopping centres
Payment gate recognition
merchant logo
Strengthen brand recognition
Access a database of over 69k brand logos, each following strict brand guidelines, to ensure customers recognise merchants with ease.
Identification to the level of individual stores in large shopping centres
Payment gate recognition
GPS location
Bring context to every purchase
Show where each transaction happened, not just what it cost.
Show the real location of purchase
based on GPS coordinates
based on GPS coordinates
Phone number and website
Keep customers connected
Enable seamless re-orders and issue resolution with verified contact details and links
Phone numbers respect the format of the country of purchase
Localised merchant website URL based on where the transaction occurred.
solutions
ATM Nearby鈩
Provide the best possible experience to clients when searching for a place to withdraw money
Clear transaction history
Fuel digital transactions with accurate merchant insights
Recurring payments intelligence鈩
Recognise recurring payments, subscriptions, or direct debits for control and predictability.
Visa/Mastercard mandate compliance
Meet all the requirements of AN 4569 Revised Standard
Be a step ahead
Product insights
Build, Don鈥檛 Just Display: 14 Banking Solutions Influenced by Transaction Data Quality
Banks spent years treating transaction data quality as something to show. A list, a balance change, maybe a PDF statement. Now the better ones treat transaction data as something to build on: Year-in-Review recaps, subscription controls, advanced PFM, loyalty targeting, carbon footprint views. Yet the market is all over the place.
Product insights
Visa Requirements to Provide Enhanced Merchant Data to Cardholders
Visa has announced a series of mandates updating how banks and fintechs manage transaction data, cardholder controls, and recurring payments. The changes follow similar regulatory steps taken by Mastercard and aim to improve transparency, consumer trust, and digital control in the European payment ecosystem.
Product insights
Enhanced payment data with new Mastercard rules: nice-to-have? A must-have from October 2023!
Data is the most valuable commodity of the 21st century, and its importance is growing daily across industries. Finance and payments are good examples of this. Find out what the new Mastercard Mandate means for banks and fintechs.
Switch to 糖心logo today!
Explore how 糖心logo can help you get the most from transaction data, increase your app engagement and turn UX into your competitive advantage.
