01
Ops
Finance & support
Readable narratives on statements reduce ticket volume and speed reconciliation.
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Data Enrichment
Transform raw data into insights merchants and risk teams use.
Enrich Pay by bank and invoice settlement events with clearer counterparty and category labels. Finance matches cash faster; support and AML see readable narratives — on the same StixBNK routing & invoicing stack.
1 API
Single contract for initiation & webhooks
Multi
Provider routing by payer market
T+5
Merchant settlement in fiat or USDC
How it works
From API call to bank confirmation.
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01
Create collection
POST amount, reference, and return URLs from your backend or invoice flow.
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02
Payer selects bank
Hosted checkout lists institutions for the payer's country — no PAN on your domain.
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03
SCA at the ASPSP
The payer authorises in their banking app; status propagates in real time.
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04
Webhook & settlement
Normalised events land in your stack; liquidity settles on your configured schedule.
Signals
Categories, merchants, and counterparty hints.
Layer proprietary matchers and MCC-style taxonomies on top of open banking payloads so each line shows who was paid, what industry they are in, and whether the pattern looks recurring. Exports match your GL structure instead of forcing analysts to decode “WIRE *8471”.
See examplesIntegration
Webhook or batch delivery.
Push enrichment.ready events to your bus or land nightly files in your warehouse. Pair with Pay by bank so initiation and post-settlement context arrive in the same operational model.
Read the docsUse cases
Enrichment in production
02
Risk
AML & fraud
Better labels improve rules, graph queries, and investigator triage.
03
Product
CRM & lifecycle
Feed clean merchant attributes into sales and success tools.
Benefits
Cleaner data, faster decisions
Less manual coding
Reduce spreadsheet fixes in finance ops.
Consistent taxonomy
Shared labels across markets you operate in.
Extensible
Bring your own models on top of our base enrichment.
Real-time option
Enrich at payment confirmation for instant UX.
Privacy
Process only fields allowed by consent and contract.
Supports Pay by bank
Works best paired with our initiation products.
Enrich your next release.
Talk to us