Count of Transactions by Merchant
Overview
The Count of Transactions by Merchant insight is a schedule-trigger insight that tracks the user's spending across the top merchants based on the total number of transactions done during the given duration for an aggregated bank or card account. Only expense merchants are considered for this insight.
Following are the additional details for the insight:
| Insight Name | COUNT_OF_TRANSACTIONS_BY_MERCHANT |
|---|---|
| Insight Type | OTHER |
| Trigger Type | SCHEDULE |
| Supported Containers | BANK, CARD |
| Frequency | MONTHLY |
| Duration | LAST_MONTH |
| Run Date | 26th day of the calendar month |
Use Cases
- Customer:
- User engagement
- Up-Sell / Cross-Sell Opportunities: Offer co-branded products or dedicated offers based on user spending patterns.
- User:
- Financial awareness - Keep track of spending.
Suggested Action
NA
Peer Benchmarking Data
This insight does not provide peer benchmarking data.
Sample UI
Insight Feed
Insight Widget and Details
GET Insight Feeds
The GET insights feed API retrieves all or a subset of the valid insight notifications generated for a particular user. However, using the insightName filter, the Count of Transactions by Merchant insight can be specifically requested. The insight will be generated only if transactionCount for all merchants and debitTotal are greater than 0.
Calculation Logic for Derived Attributes:
basicTrendlevel:averageNetTotal=netTotal/durationmerchantTrendlevel:averageNetTotal=netTotal/ the number of months the user spent with the merchant during theduration
Method and URL:
GET /insights/feed
Header Parameters:
| Key | Value | |
|---|---|---|
Authorization | Client credentials-based authorization | Bearer {{Access Token}} |
| API key-based authentication | Bearer {{JWT Token_Customer}} | |
| Deprecated cobrand and user credential-based authentication | cobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service} | |
Content-Type | application/json | |
Api-Version | 2.1 | |
2 | ||
Cobrand-Name | {Name of the Customer} | |
Sample Request:
GET /insights/feed?insightName=COUNT_OF_TRANSACTIONS_BY_MERCHANT
Sample Response:
For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.
{
"feed":[
{
"id":"60d43db8d59fdb46b0c911fc",
"insightName":"COUNT_OF_TRANSACTIONS_BY_MERCHANT",
"insightTitle":"Count of Transactions by Merchant",
"insightType":"OTHER",
"triggerType":"SCHEDULE",
"createdDate":"2025-06-26T08:09:26Z",
"subscription":[
{
"entityId":"13709572",
"entityType":"ACCOUNT",
"frequency":"MONTHLY",
"duration":"LAST_MONTH",
"threshold":[
{
"name":"TOP",
"value":"5",
"type":"NUMBER"
}
]
}
],
"basicAccount":[
{
"id":13709572,
"providerName":"Dag Site",
"accountName":"PDV Test Data- All Category",
"accountType":"OTHER",
"container":"bank",
"link":{
"entityName":"account",
"url":"/accounts?accountId=13709572"
},
"basicTrend":[
{
"debitTotal":{
"amount":1211.08,
"currency":"USD"
},
"creditTotal":{
"amount":200.22,
"currency":"USD"
},
"netTotal":{
"amount":1010.86,
"currency":"USD"
},
"averageNetTotal":{
"amount":1010.86,
"currency":"USD"
},
"transactionCount":14,
"merchantTrend":[
{
"basicMerchant":{
"name":"Sephora"
},
"debitTotal":{
"amount":500.44,
"currency":"USD"
},
"creditTotal":{
"amount":200.22,
"currency":"USD"
},
"netTotal":{
"amount":300.22,
"currency":"USD"
},
"averageNetTotal":{
"amount":300.22,
"currency":"USD"
},
"transactionCount":5,
"detail":[
{
"dateRange":{
"fromDate":"2025-05-01",
"toDate":"2025-05-31"
},
"debitTotal":{
"amount":500.44,
"currency":"USD"
},
"creditTotal":{
"amount":200.22,
"currency":"USD"
},
"netTotal":{
"amount":300.22,
"currency":"USD"
},
"transactionCount":5
}
]
},
{
"basicMerchant":{
"name":"McDonald's"
},
"debitTotal":{
"amount":207.17,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":207.17,
"currency":"USD"
},
"averageNetTotal":{
"amount":207.17,
"currency":"USD"
},
"transactionCount":4,
"detail":[
{
"dateRange":{
"fromDate":"2025-05-01",
"toDate":"2025-05-31"
},
"debitTotal":{
"amount":207.17,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":207.17,
"currency":"USD"
},
"transactionCount":4
}
]
},
{
"basicMerchant":{
"name":"Breton Bay Dentistry"
},
"debitTotal":{
"amount":450.02,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":450.02,
"currency":"USD"
},
"averageNetTotal":{
"amount":450.02,
"currency":"USD"
},
"transactionCount":2,
"detail":[
{
"dateRange":{
"fromDate":"2025-05-01",
"toDate":"2025-05-31"
},
"debitTotal":{
"amount":450.02,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":450.02,
"currency":"USD"
},
"transactionCount":2
}
]
},
{
"basicMerchant":{
"name":"Campus BookStore"
},
"debitTotal":{
"amount":35.90,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":35.90,
"currency":"USD"
},
"averageNetTotal":{
"amount":35.90,
"currency":"USD"
},
"transactionCount":2,
"detail":[
{
"dateRange":{
"fromDate":"2025-05-01",
"toDate":"2025-05-31"
},
"debitTotal":{
"amount":35.90,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":35.90,
"currency":"USD"
},
"transactionCount":2
}
]
},
{
"basicMerchant":{
"name":"Hulu"
},
"debitTotal":{
"amount":17.55,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":17.55,
"currency":"USD"
},
"averageNetTotal":{
"amount":17.55,
"currency":"USD"
},
"transactionCount":1,
"detail":[
{
"dateRange":{
"fromDate":"2025-05-01",
"toDate":"2025-05-31"
},
"debitTotal":{
"amount":17.55,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":17.55,
"currency":"USD"
},
"transactionCount":1
}
]
}
]
}
]
}
]
}
]
}