The data & AI platform for modern finance
Spade takes messy transaction data and turns it into structured, verified records — with AI agents that help you use it everywhere it matters.
Make every authorization smarter
Return enriched merchant and location data in under 50 milliseconds — helping teams make faster, more accurate authorization decisions.
P99 enrichment latency
Connect every purchase to the right reward
Give marketing teams true merchant and location-level clarity, enabling targeted, meaningful programs without messy data or guesswork.
Build intelligence on solid data
Provide consistent merchant context across cards, transfers, and third party sources — powering personalized offers, new product features, and better cross-sell opportunities.
Move disputes to the merchant
Give customers the clarity they need to recognize charges or contact the merchant directly — before a dispute ever reaches your support team.
physical transactions matched with an exact geolocation
Built for every layer of modern finance
Infrastructure for innovation
Power new products, rewards, and AI capabilities with a data foundation that scales.
Clarity at enterprise scale
Unify authorization, analytics, and AI on one trusted platform.
AI that learns from the truth
Feed your models clean, enriched data that makes intelligence actionable.
Infrastructure for innovation
Power new products, rewards, and AI capabilities with a data foundation that scales.
Clarity at enterprise scale
Unify authorization, analytics, and AI on one trusted platform.
AI that learns from the truth
Feed your models clean, enriched data that makes intelligence actionable.
Proven across payments and beyond
Spade's granular merchant data allows us to deliver new and innovative rewards on the more than $5 billion in neighborhood spend happening on our platform.
Brandt Smallwood, President
Stat
rewarded by Bilt using Spade for accurate, hyper-local attribution
We needed real-time controls that didn't create false declines. Spade's merchant and location data lets us approve legitimate fuel purchases while blocking misuse, and helps save our customers tens of thousands of dollars.
Daniel Simon, Co-founder and CEO
Stat
in average annual savings reported by Coast customers with fleets of 10+ vehicles
When we can correctly identify the type of spend that’s happening at a company, we can set up rules to automatically categorize those transactions. This alone can save hours for our customers each month
Anish Bhayani, Engineering Manager
Stat
U.S. startups rely on transaction data enriched by Spade
Integrate Spade’s API in minutes. No complex setup, no custom configuration — just high-performance enrichment that scales automatically.
