About Spade
Real-time card-transaction enrichment and merchant intelligence for issuers, banks, and fintechs. Spade returns clean merchant names, exact geolocation, MCC, and a stable merchant ID at sub-50ms P99 latency — fast enough to use inside the authorization decision. Used to power smarter risk and authorization, accurate rewards attribution, and customer-facing transaction feeds that move disputes from chargebacks to direct merchant contact.
Products & Solutions
Risk & Authorization
Sub-50ms enriched merchant and location data inside the auth path
Rewards & Attribution
Merchant- and location-level clarity for cashback and loyalty programs
Analytics & AI
Consistent merchant context across cards, transfers, and third-party sources
User Experience
Clean transaction feeds that reduce chargeback disputes
Solution Categories
transaction-enrichmentmerchant-intelligencedataFraud Prevention
Target Markets
FintechsNeobanksBanksCard Issuerspayment-providers
Deployment Options
CloudSaaS
Customers
Cash App
Card transaction enrichment
Stripe
Merchant data enrichment
Citizens
Bank transaction enrichment
FIS
Issuer-processor partnership
Mercury↗
Auto-categorization for SMB banking
Bilt
Hyper-local rewards attribution on $5B+ in neighborhood spend
Coast
Real-time fleet card controls without false declines
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