Spending by Merchant - All Accounts
Overview
The Spending by Merchant - All Accounts insight is a schedule-triggered insight that looks at all the aggregated card and bank accounts of the user and provides the top merchants the user spent on for the user-defined duration. Only expense merchants are considered for this insight.
Following are the additional details for the insight:
| Insight Name | SPENDING_BY_MERCHANT_ALL_ACCOUNTS |
|---|---|
| Applicable Entity | ACCOUNT |
| Insight Type | AGGREGATE |
| Trigger Type | SCHEDULE |
| Supported Containers | BANK, CARD |
Use Cases
- Customer:
- Cross-Sell / Up-Sell opportunity - Offer products that could potentially save money for users. E.g. co-branded credit cards or direct merchant offers.
- User:
- Financial wellness - Keep track of spending.
Suggested Action
Suggest users to create a VIEW based on the top merchants, set a budget, and track spending.
Duplicate Insight Checks
To prevent the same insight from generating repeatedly, the insight is generated only once per scheduled frequency for a user.
The following are the applicable frequencies for this insight:
| Frequency | Description | |
|---|---|---|
| DAILY | The insight will be triggered daily. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current day from 12:00 AM same day to the time of insight evaluation. | |
| WEEKLY | The insight will be triggered once every Monday. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar week (Monday to Sunday). For example:
|
|
| MONTHLY | The insight will be triggered once on the first day of the calendar month. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar month (1st of the calendar month to the last day of the month). For example:
|
|
| MID_MONTHLY | The insight will be triggered once on the 16th of a calendar month. Duplicate check will evaluate if the insight instance that matches the duplicate check criteria exists for the current calendar month (1st of the calendar month to the last day of the month). For example:
|
|
Insight Dynamic Trigger (On-Demand Evaluation)
The insight can be triggered using the following on-demand insight trigger API:
Method and URL:
POST /insights/trigger
Peer Benchmarking Data
This insight provides peer benchmarking (PB) data. Based on the segmentation parameter provided by the user, PB data is returned for merchants at the peer, state, and national benchmark levels.
The default frequency and duration will be based on whether the customer has enabled or disabled the peer benchmarking feature during onboarding:
- PB enabled: The default frequency will be
MID_MONTHLYand default duration will beLAST_THREE_MONTHS. - PB disabled: The default frequency will be
MONTHLYand default duration will beTHREE_MONTHS.
Thresholds
Threshold lets the customer or the user decide how many merchants have to be returned by default in the insight. If the TOP value is 5, the top 5 merchant based on the highest spending is returned in the insight.
- Threshold Name: TOP
- Data Type: NUMBER
- Range Allowed: 1 < = N <= 50
- Default: 10
Note: Depending on the customer segment and account, threshold might need to be different for different users. If the default value is insufficient, the users can set a threshold they are comfortable tracking.
GET Customer Subscription
The GET customer subscription API provides all the information about the defaults set for the insights that are subscribed by the customer. If the customer has opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default true in the API response.
The default frequency and duration will be based on whether the customer has enabled or disabled the peer benchmarking feature during onboarding:
- PB enabled: The default frequency will be
MID_MONTHLYand default duration will beLAST_THREE_MONTHS. - PB disabled: The default frequency will be
MONTHLYand default duration will beTHREE_MONTHS.
Method and URL:
GET /insights/configs/customerSubscriptions
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} |
|
Content-Type |
application/json |
|
Api-Version |
2.1 |
|
2 |
||
Cobrand-Name |
{Name of the Customer} |
|
Sample Request:
GET /insights/configs/customerSubscriptions
Sample Response:
For more information about the attributes that are returned in the API response, refer to the Insights Data Model page.
- Api-Version 2.1 Response
{
"customerSubscription":[
{
"insightName": "SPENDING_BY_MERCHANT_ALL_ACCOUNTS",
"insightTitle": "Spending By Merchant : All Accounts",
"insightType": "AGGREGATE",
"triggerType": "SCHEDULE",
"containers": [
"BANK",
"CARD"
],
"description": "Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period across all the eligible accounts for the user.",
"applicableEntity": [
"ACCOUNT"
],
"customerConfiguration": [
{
"entityType": "ACCOUNT",
"isSubscribed": true,
"frequency": "MONTHLY",
"duration":"THREE_MONTHS",
"isBenchmarkEnabled":false,
"threshold": [
{
"name": "TOP",
"value": "10",
"type": "NUMBER"
}
]
}
]
}
]
}
- Api-Version 2 Response
{
"customerSubscription":[
{
"insightName": "SPENDING_BY_MERCHANT_ALL_ACCOUNTS",
"insightTitle": "Spending By Merchant : All Accounts",
"insightType": "AGGREGATE",
"triggerType": "SCHEDULE",
"container": [
"BANK",
"CARD"
],
"description": "Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period across all the eligible accounts for the user.",
"applicableEntity": [
"ACCOUNT"
],
"customerConfiguration": [
{
"entityType": "ACCOUNT",
"isSubscribed": true,
"frequency": "MONTHLY",
"duration":"THREE_MONTHS",
"isBenchmarkEnabled":false,
"threshold": [
{
"name": "TOP",
"value": "10",
"type": "NUMBER"
}
]
}
]
}
]
}
PATCH Customer Subscription
Using the PATCH API for customer subscription, customers can change the defaults for each insight. Alternatively, customers can use the insights configuration tool to achieve the same result.
If the customer has not opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default false and cannot be modified. The PB feature can be opted post onboarding too.
Warning! Changing any defaults can potentially impact all users who have subscribed to this insight. If the user has overridden the customer threshold, then the user preference will be applied. For all other users, the new defaults will apply.
Method and URL:
PATCH /insights/configs/customerSubscriptions
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} |
|
Content-Type |
application/json |
|
Api-Version |
2.1 |
|
2 |
||
Cobrand-Name |
{Name of the Customer} |
|
Editable Parameters:
| Editable Attributes | Impact | Allowed Values |
|---|---|---|
| isSubscribed | Subscribes or unsubscribes all the users from the Spending by Merchant - All Accounts insight. | true, false |
| insightTitle | The title returned in the GET feed API as well as the insights config tool can be changed. | Alphanumeric characters up to 100 characters (including spaces) |
| frequency | The frequency at which an insight will be evaluated. |
|
| duration | The data range that should be considered for evaluating the transactions. |
|
| threshold | Determines the number of merchants returned - sorted in descending order of spending. | Numbers between 1 to 50 |
| isBenchmarkEnabled | If the customer has opted for PB feature, pass the isBenchmarkEnabled as true to get the peer benchmarking data. The customer can turn OFF the PB feature by setting isBenchmarkEnabled as false. |
true, false |
Note: The duration specifies the maximum date range. However, if the account contains data for less than this duration, only the smaller date range will be considered. For example, duration is specified as LAST_TWELVE_MONTHS. However, the account rule starts from 3 months ago. In this case, data will be returned starting from 3 months, until the current date.
Sample Request:
{
"customerSubscription":[
{
"insightName": "SPENDING_BY_MERCHANT_ALL_ACCOUNTS",
"insightTitle": "Spending By Merchant : All Accounts",
"customerConfiguration":[
{
"entityType":"ACCOUNT",
"isSubscribed":true,
"isBenchmarkEnabled":true,
"frequency": "MONTHLY",
"duration":"THREE_MONTHS",
"threshold":[
{
"name":"TOP",
"value":"5",
"type":"NUMBER"
}
]
}
]
}
]
}
Response Messages:
| HTTP Status Code | Reason |
|---|---|
| 400 | Y806: Invalid Input |
| 400 | Y800: Invalid value for insightName |
| 400 | Y800: Invalid value for insightTitle; special characters ><\""'%{}|^~[] are not supported. |
| 400 | Y801: Invalid length for insightTitle; min 3 and max 100 characters including spaces are allowed. |
| 400 | Y800: Invalid value for frequency; Supported values are DAILY, WEEKLY, MONTHLY, MID_MONTHLY |
| 400 | Y800: Invalid value for duration; Supported values are THIS_MONTH, LAST_MONTH, THREE_MONTHS, SIX_MONTHS, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS, ONE_YEAR |
| 400 | Y800: Invalid value for TOP in SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight Min =1 and Max = 50 |
| 400 | Y813: Invalid request. The entire object within threshold should be provided |
| 400 | Y800: Invalid value for isBenchmarkEnabled Supported values are true, false |
| 400 | Y800: Invalid value for duration. Supported values of duration for MID_MONTHLY frequency are LAST_MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS, ONE_YEAR |
| 400 | Y802: Modifying isBenchmarkEnabled is not allowed |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying applicableEntity is not allowed |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying triggerType is not allowed |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying container is not allowed |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying description is not allowed |
| 400 | Y800: Invalid value for isSubscribed; Supported values are true, false |
| 400 | Y825: Update not allowed without a valid request body |
| 400 | Y803: Invalid request; Either a valid insightTitle or customerConfiguration is required. |
| 400 | Y812: Required field/value - insightName missing in the request |
| 400 | Y802: Modifying InsightType attribute is not allowed |
| 400 | Y813: entityType should be provided |
| 400 | Y803: At least one additional attribute is required in addition to entityType. |
| 400 | Y800: Invalid value for customerConfiguration; customerConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes. |
| 400 | Y800: Invalid value for entityType. Supported entityType for SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight are - [ACCOUNT] |
| 400 | Y802: For SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight, {Invalid String} inside the threshold is either repeated or not allowed |
| 400 | Y802: For SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight, {Invalid String} inside the threshold is not allowed |
| 400 | Y800 : Invalid value for input json |
| 401 | Y020: Invalid token in authorization header |
| 401 | Y020: Token has expired |
GET User Subscription
The GET user subscription API provides all the information about the user defaults set for the insight. If the customer has opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default true in the API response.
The entityId filter is not applicable for this insight.
Method and URL:
GET /insights/configs/userSubscriptions
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/configs/userSubscriptions?insightName=SPENDING_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.
- Api-Version 2.1 Response
{
"userSubscription":[
{
"insightName": "SPENDING_BY_MERCHANT_ALL_ACCOUNTS",
"insightTitle": "Spending By Merchant : All Accounts",
"insightType": "AGGREGATE",
"triggerType": "SCHEDULE",
"containers": [
"BANK",
"CARD"
],
"description": "Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period across all the eligible accounts for the user.",
"applicableEntity": [
"ACCOUNT"
],
"userConfiguration": [
{
"entityType": "ACCOUNT",
"isSubscribed": true,
"frequency": "MONTHLY",
"isBenchmarkEnabled":true,
"duration":"THREE_MONTHS",
"threshold": [
{
"name": "TOP",
"value": "10",
"type": "NUMBER"
}
]
}
],
"customerConfiguration": [
{
"entityType": "ACCOUNT",
"isSubscribed": true,
"frequency": "MONTHLY",
"isBenchmarkEnabled":true,
"duration":"THREE_MONTHS",
"threshold": [
{
"name": "TOP",
"value": "10",
"type": "NUMBER"}
]
}
]
}
]
}
- Api-Version 2 Response
{
"userSubscription":[
{
"insightName": "SPENDING_BY_MERCHANT_ALL_ACCOUNTS",
"insightTitle": "Spending By Merchant : All Accounts",
"insightType": "AGGREGATE",
"triggerType": "SCHEDULE",
"container": [
"BANK",
"CARD"
],
"description": "Generates an insight that provides spending trends (based on $ amount) by merchant over a configured time period across all the eligible accounts for the user.",
"applicableEntity": [
"ACCOUNT"
],
"userConfiguration": [
{
"entityType": "ACCOUNT",
"isSubscribed": true,
"frequency": "MONTHLY",
"isBenchmarkEnabled":true,
"duration":"THREE_MONTHS",
"threshold": [
{
"name": "TOP",
"value": "10",
"type": "NUMBER"
}
]
}
],
"customerConfiguration": [
{
"entityType": "ACCOUNT",
"isSubscribed": true,
"frequency": "MONTHLY",
"isBenchmarkEnabled":true,
"duration":"THREE_MONTHS",
"threshold": [
{
"name": "TOP",
"value": "10",
"type": "NUMBER"}
]
}
]
}
]
}
PATCH User Subscription
Using the PATCH user subscription API for user subscription, users can change the defaults for each insight. If the user wants the insight to be evaluated for a new account, then add that account using the PATCH user subscription API. The customer default threshold values will apply if the user has not set any values.
If the customer has not opted for the PB feature during onboarding, the isBenchmarkEnabled field will be by default false and cannot be modified. The PB feature can be opted post onboarding too.
Method and URL:
PATCH /insights/configs/userSubscriptions
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} |
|
Editable Parameters:
| Editable Attributes | Impact | Allowed Values |
|---|---|---|
| isSubscribed | Subscribes or unsubscribes from the Spending by Merchant - All Accounts insight. | true, false |
| frequency | The frequency at which an insight will be evaluated. |
|
| duration | The data range that should be considered for evaluating the transactions. |
|
| threshold | Determines the number of merchants returned - sorted in descending order of spending. | Numbers between 1 to 50 |
| isBenchmarkEnabled | If the customer has opted for PB feature, pass the isBenchmarkEnabled as true to get the peer benchmarking data. User can turn OFF the PB feature by setting isBenchmarkEnabled as false. |
true, false |
Note: The duration specifies the maximum date range. However, if the account contains data for less than this duration, only the smaller date range will be considered. For example, duration is specified as LAST_TWELVE_MONTHS. However, the account rule starts from 3 months ago. In this case, data will be returned starting from 3 months, until the current date.
Sample Request:
{
"userSubscription":[
{
"insightName":"SPENDING_BY_MERCHANT_ALL_ACCOUNTS",
"userConfiguration":[
{
"entityType":"ACCOUNT",
"isSubscribed":true,
"frequency":"MONTHLY",
"isBenchmarkEnabled":true,
"duration": "THREE_MONTHS",
"threshold":[
{
"name":"TOP",
"value":"5",
"type":"NUMBER"
}
]
}
]
}
]
}
Response Messages:
| HTTP Status Code | Reason |
|---|---|
| 400 | Y806: Invalid input |
| 400 | Y800: Invalid value for insightName |
| 400 | Y800: Invalid value for input param in SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight |
| 400 | Y800: Invalid value for frequency; Supported values are DAILY, WEEKLY, MONTHLY, MID_MONTHLY |
| 400 | Y800: Invalid value for duration; Supported values are THIS_MONTH, LAST_MONTH, THREE_MONTHS, SIX_MONTHS, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS, ONE_YEAR |
| 400 | Y800: Invalid value for threshold data in SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight |
| 400 | Y800: Invalid value for TOP in SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight Min =1 and Max =50 |
| 400 | Y802: Modifying insightTitle using this API is not allowed |
| 400 | Y813: Invalid request. The entire object within threshold should be provided |
| 400 | Y800: Invalid value for isBenchmarkEnabled Supported values are true, false |
| 400 | Y802: Modifying isBenchmarkEnabled is not allowed |
| 400 | Y800: Invalid value for isBenchmarkEnabled Supported values are true, false |
| 400 | Y800: Invalid value for duration. Supported values of duration for MID_MONTHLY frequency are LAST_MONTH, LAST_THREE_MONTHS, LAST_SIX_MONTHS, LAST_TWELVE_MONTHS, ONE_YEAR |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying applicableEntity is not allowed |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying triggerType is not allowed |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying container is not allowed |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, modifying description is not allowed |
| 400 | Y800: Invalid value for isSubscribed; Supported values are true, false |
| 400 | Y825: Update not allowed without a valid request body |
| 400 | Y812: Required field/value - insightName missing in the request |
| 400 | Y802: Modifying InsightType attribute is not allowed |
| 400 | Y813: entityType should be provided |
| 400 | Y803: At least one additional attribute is required in addition to entityType. |
| 400 | Y800: Invalid value for userConfiguration; userConfiguration is either missing, duplicated, or has insufficient/ incorrect attributes |
| 400 | Y802: For insight SPENDING_BY_MERCHANT_ALL_ACCOUNTS, configurations at an entityId level are not allowed |
| 400 | Y800: Invalid value for entityType. Supported entityType for SPENDING_BY_MERCHANT_ALL_ACCOUNTS insight are - [ACCOUNT] |
| 400 | Y800 : Invalid value for input json |
| 401 | Y020: Invalid token in authorization header |
| 401 | Y020: Token has expired |
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, you can specifically request for the Spending by Merchant : All Accounts insight only. The insight is generated only if basicTrend.debitTotal.amount is greater than 0.
The entityId filter does not apply to this insight.
Calculation Logic for Derived Attributes:
averageNetTotal = netTotal/duration
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=SPENDING_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":"61f17e9e5fa1a2410b0f53dc",
"insightName":"SPENDING_BY_MERCHANT_ALL_ACCOUNTS",
"insightTitle":"Spending By Merchant : All Accounts",
"insightType":"AGGREGATE",
"triggerType":"SCHEDULE",
"createdDate":"2022-01-26T17:02:20Z",
"subscription":[
{
"entityType":"ACCOUNT",
"frequency":"MID_MONTHLY",
"duration":"LAST_THREE_MONTHS",
"threshold":[
{
"name":"TOP",
"value":"10",
"type":"NUMBER"
}
]
}
],
"basicAccount":[
{
"id":14568111,
"providerName":"Dag Site",
"accountName":"PDV_Test_Data_Sch/Ref",
"accountStatus":"ACTIVE",
"accountType":"CHECKING",
"container":"bank",
"link":{
"entityName":"account",
"url":"/accounts?accountId=14568111"
}
},
{
"id":14568116,
"providerName":"Dag Site",
"accountName":"PDV Test Data- All Category",
"accountStatus":"ACTIVE",
"accountType":"OTHER",
"container":"bank",
"link":{
"entityName":"account",
"url":"/accounts?accountId=14568116"
}
},
{
"id":14568114,
"providerName":"Dag Site",
"accountName":"PDV_Test_Data-Account_Balance",
"accountStatus":"ACTIVE",
"accountType":"SAVINGS",
"container":"bank",
"link":{
"entityName":"account",
"url":"/accounts?accountId=14568114"
}
},
{
"id":14568115,
"providerName":"Dag Site",
"accountName":"PDV_Test_Data-Long_Tenure_Recurring_Payments",
"accountStatus":"ACTIVE",
"accountType":"CHECKING",
"container":"bank",
"link":{
"entityName":"account",
"url":"/accounts?accountId=14568115"
}
},
{
"id":14568112,
"providerName":"Dag Site",
"accountName":"PDV Test Data-Event",
"accountStatus":"ACTIVE",
"accountType":"CHECKING",
"container":"bank",
"link":{
"entityName":"account",
"url":"/accounts?accountId=14568112"
}
},
{
"id":14568113,
"providerName":"Dag Site",
"accountName":"PDV Test Data- Account Balance",
"accountStatus":"ACTIVE",
"accountType":"SAVINGS",
"container":"bank",
"link":{
"entityName":"account",
"url":"/accounts?accountId=14568113"
}
}
],
"basicTrend":[
{
"dateRange":{
"fromDate":"2021-10-01",
"toDate":"2021-12-31"
},
"debitTotal":{
"amount":253130.71,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":253130.71,
"currency":"USD"
},
"averageNetTotal":{
"amount":253130.71,
"currency":"USD"
},
"merchantTrend":[
{
"basicMerchant":{
"name":"Others"
},
"debitTotal":{
"amount":193477.71,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":193477.71,
"currency":"USD"
},
"averageNetTotal":{
"amount":193477.71,
"currency":"USD"
},
"detail":[
{
"dateRange":{
"fromDate":"2021-12-01",
"toDate":"2021-12-31"
},
"debitTotal":{
"amount":91685.48,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":91685.48,
"currency":"USD"
}
},
{
"dateRange":{
"fromDate":"2021-11-01",
"toDate":"2021-11-30"
},
"debitTotal":{
"amount":101166.23,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":101166.23,
"currency":"USD"
}
},
{
"dateRange":{
"fromDate":"2021-10-01",
"toDate":"2021-10-31"
},
"debitTotal":{
"amount":626.0,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":626.0,
"currency":"USD"
}
}
]
},
{
"basicMerchant":{
"name":"Quicken Loans"
},
"debitTotal":{
"amount":3900.0,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":3900.0,
"currency":"USD"
},
"averageNetTotal":{
"amount":3900.0,
"currency":"USD"
},
"link":{
"entityName":"transaction",
"url":"/derived/transactions?fromDate=2021-10-01&toDate=2021-12-31&merchantName=Quicken Loans&accountId=14568111,14568116,14568114,14568115,14568112,14568113"
},
"detail":[
{
"dateRange":{
"fromDate":"2021-12-01",
"toDate":"2021-12-31"
},
"debitTotal":{
"amount":1300.0,
"currency":"USD"
},
"creditTotal":{
"amount":0.0,
"currency":"USD"
},
"netTotal":{
"amount":1300.0,
"currency":"USD"
},
"link":{
"entityName":"transaction",
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