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Count of Transactions by Merchants - All Accounts

Overview

The Count of Transactions by Merchants - All Accounts 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 across all the aggregated bank and card accounts.

Following are the additional details for the insight:

Insight NameCOUNT_OF_TRANSACTIONS_BY_MERCHANT_ALL_ACCOUNTS
Insight TypeAGGREGATE
Trigger TypeSCHEDULE
Supported ContainersBANK, CARD
FrequencyMONTHLY
DurationLAST_MONTH
Run Date26th day of the calendar month

Use Cases

  • Customer:
    • User engagement
    • Up-Sell / Cross-Sell opportunities - Offer co-branded products or dedicated offers based on the user spending pattern
  • 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 Merchants - All Accounts insight can be specifically requested. The insight will be generated only if transactionCount for all merchants and debitTotal are greater than 0.

The entityId filter does not apply to this insight.

Calculation Logic for Derived Attributes:

  • basicTrend level: 
    averageNetTotal = netTotal / duration
  • merchantTrend level: 
    averageNetTotal = netTotal / the number of months the user spent with the merchant during the duration

Method and URL:

GET   /insights/feed

Header Parameters:

KeyValue
AuthorizationClient credentials-based authorizationBearer {{Access Token}}
API key-based authenticationBearer {{JWT Token_Customer}}
Deprecated cobrand and user credential-based authenticationcobSession={cobSession received in the cobrand login service}, userSession={userSession received in the user login service}
Content-Typeapplication/json
Api-Version2.1
2
Cobrand-Name{Name of the Customer}

Sample Request:

GET /insights/feed?insightName=COUNT_OF_TRANSACTIONS_BY_MERCHANT_ALL_ACCOUNTS

Sample Response:

For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.

{
   "feed":[
      {
         "id":"60d43dbed59fdb46b0c91209",
         "insightName":"COUNT_OF_TRANSACTIONS_BY_MERCHANT_ALL_ACCOUNTS",
         "insightTitle":"Count of Transactions By Merchants - All Accounts",
         "insightType":"AGGREGATE",
         "triggerType":"SCHEDULE",
         "createdDate":"2025-06-26T08:09:31Z",
         "subscription":[
            {
               "entityType":"ACCOUNT",
               "frequency":"MONTHLY",
               "duration":" LAST_MONTH",
               "threshold":[
                  {
                     "name":"TOP",
                     "value":"10",
                     "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"
               }
            },
            {
               "id":13709567,
               "providerName":"Dag Site",
               "accountName":"PDV_Test_Data_Sch/Ref",
               "accountType":"CHECKING",
               "container":"bank",
               "link":{
                  "entityName":"account",
                  "url":"/accounts?accountId=13709567"
               }
            }
         ],
         "basicTrend":[
            {
               "debitTotal":{
                  "amount":9040.98,
                  "currency":"USD"
               },
               "creditTotal":{
                  "amount":257.87,
                  "currency":"USD"
               },
               "netTotal":{
                  "amount":8783.11,
                  "currency":"USD"
               },
               "averageNetTotal":{
                  "amount":8783.11,
                  "currency":"USD"
               },
               "transactionCount":26,
               "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":"Duke Energy"
                     },
                     "debitTotal":{
                        "amount":1000.76,
                        "currency":"USD"
                     },
                     "creditTotal":{
                        "amount":0.0,
                        "currency":"USD"
                     },
                     "netTotal":{
                        "amount":1000.76,
                        "currency":"USD"
                     },
                     "averageNetTotal":{
                        "amount":1000.76,
                        "currency":"USD"
                     },
                     "transactionCount":4,
                     "detail":[
                        {
                           "dateRange":{
                              "fromDate":"2025-05-01",
                              "toDate":"2025-05-31"
                           },
                           "debitTotal":{
                              "amount":1000.76,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":0.0,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":1000.76,
                              "currency":"USD"
                           },
                           "transactionCount":4
                        }
                     ]
                  },
                  {
                     "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":"Netflix"
                     },
                     "debitTotal":{
                        "amount":60.5,
                        "currency":"USD"
                     },
                     "creditTotal":{
                        "amount":0.0,
                        "currency":"USD"
                     },
                     "netTotal":{
                        "amount":60.5,
                        "currency":"USD"
                     },
                     "averageNetTotal":{
                        "amount":60.5,
                        "currency":"USD"
                     },
                     "transactionCount":3,
                     "detail":[
                        {
                           "dateRange":{
                              "fromDate":"2025-05-01",
                              "toDate":"2025-05-31"
                           },
                           "debitTotal":{
                              "amount":60.5,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":0.0,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":60.5,
                              "currency":"USD"
                           },
                           "transactionCount":3
                        }
                     ]
                  },
                  {
                     "basicMerchant":{
                        "name":"Home Depot"
                     },
                     "debitTotal":{
                        "amount":734.25,
                        "currency":"USD"
                     },
                     "creditTotal":{
                        "amount":57.65,
                        "currency":"USD"
                     },
                     "netTotal":{
                        "amount":676.60,
                        "currency":"USD"
                     },
                     "averageNetTotal":{
                        "amount":676.60,
                        "currency":"USD"
                     },
                     "transactionCount":3,
                     "detail":[
                        {
                           "dateRange":{
                              "fromDate":"2025-05-01",
                              "toDate":"2025-05-31"
                           },
                           "debitTotal":{
                              "amount":734.25,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":57.65,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":676.60,
                              "currency":"USD"
                           },
                           "transactionCount":3
                        }
                     ]
                  },
                  {
                     "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":"Creative Child"
                     },
                     "debitTotal":{
                        "amount":4034.25,
                        "currency":"USD"
                     },
                     "creditTotal":{
                        "amount":0.0,
                        "currency":"USD"
                     },
                     "netTotal":{
                        "amount":4034.25,
                        "currency":"USD"
                     },
                     "averageNetTotal":{
                        "amount":4034.25,
                        "currency":"USD"
                     },
                     "transactionCount":1,
                     "detail":[
                        {
                           "dateRange":{
                              "fromDate":"2025-05-01",
                              "toDate":"2025-05-31"
                           },
                           "debitTotal":{
                              "amount":4034.25,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":0.0,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":4034.25,
                              "currency":"USD"
                           },
                           "transactionCount":1
                        }
                     ]
                  },
                  {
                     "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
                        }
                     ]
                  },
                  {
                     "basicMerchant":{
                        "name":"Kings College"
                     },
                     "debitTotal":{
                        "amount":2000.14,
                        "currency":"USD"
                     },
                     "creditTotal":{
                        "amount":0.0,
                        "currency":"USD"
                     },
                     "netTotal":{
                        "amount":2000.14,
                        "currency":"USD"
                     },
                     "averageNetTotal":{
                        "amount":2000.14,
                        "currency":"USD"
                     },
                     "transactionCount":1,
                     "detail":[
                        {
                           "dateRange":{
                              "fromDate":"2025-05-01",
                              "toDate":"2025-05-31"
                           },
                           "debitTotal":{
                              "amount":2000.14,
                              "currency":"USD"
                           },
                           "creditTotal":{
                              "amount":0.0,
                              "currency":"USD"
                           },
                           "netTotal":{
                              "amount":2000.14,
                              "currency":"USD"
                           },
                           "transactionCount":1
                        }
                     ]
                  }
               ]
            }
         ]
      }
   ]
}