Confidence in every authorization
Spade enriches every transaction with real-time merchant and location context, so you can verify legitimacy in under 50 milliseconds.
- Support for vendor-locked cards
- Power agentic commerce
- Reduce false declines
- Drive down fraud losses
- Support for vendor-locked cards
- Power agentic commerce
- Reduce false declines
- Drive down fraud losses
When issuer systems rely on unenriched data, every transaction becomes harder to trust — leading to false declines, preventable fraud, and challenges delivering vendor-locked card experiences.
The intelligence layer beneath every authorization
Spade enriches transaction data in real time, adding verified merchant and location context so issuers can make confident authorization decisions — faster and with fewer errors.
Reduce false declines
Differentiate real customers from fraud with verified merchant and location data.
Prevent fraud proactively
Detect anomalies instantly, before bad actors complete a transaction.
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
enrichment accuracy results in verified categorization for Mercury’s 200,000+ customers
We make Spade's merchant data available across our rules engine and machine learning models so our customers can use it to stop more fraud and reduce disputes. Clearer merchant context means fewer false positives on legitimate transactions and better protection against actual risk.
Soups Ranjan, Co-Founder and CEO
enrichment accuracy enables Sardine’s fraud models to provide better protection against actual risk
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
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
enrichment accuracy results in verified categorization for Mercury’s 200,000+ customers
We make Spade's merchant data available across our rules engine and machine learning models so our customers can use it to stop more fraud and reduce disputes. Clearer merchant context means fewer false positives on legitimate transactions and better protection against actual risk.
Soups Ranjan, Co-Founder and CEO
enrichment accuracy enables Sardine’s fraud models to provide better protection against actual risk
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
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
enrichment accuracy results in verified categorization for Mercury’s 200,000+ customers
We make Spade's merchant data available across our rules engine and machine learning models so our customers can use it to stop more fraud and reduce disputes. Clearer merchant context means fewer false positives on legitimate transactions and better protection against actual risk.
Soups Ranjan, Co-Founder and CEO
enrichment accuracy enables Sardine’s fraud models to provide better protection against actual risk
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
in average annual savings reported by Coast customers with fleets of 10+ vehicles
Whether you’re enriching data directly or deploying Spade’s Agent to automate real-time decisioning, every authorization benefits from verified merchant intelligence.
Real-time enrichment. Full control.
Automated risk intelligence. Scaled effortlessly.
Real-time enrichment. Full control.
Capture live transaction data
Your authorization stream connects directly to Spade’s API in real time.
Add structure and context
Merchant descriptors are standardized and matched with verified metadata.
Return enriched insights
Data is returned instantly to your risk or decisioning systems.
Manage logic internally
Your team applies fraud rules, thresholds, or models using the enriched feed.
Agentic commerce starts with structured intelligence
Before AI agents can act, they need trusted data. Spade provides the structured merchant and location intelligence required for autonomous risk decisioning — powering the next generation of adaptive, agentic commerce.
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.
