This API allows you to analyze a list of financial transactions and identify recurring payments based on specified criteria such as frequency, amount consistency, and regularity score.
| Time | Status | User Agent | |
|---|---|---|---|
Retrieving recent requests… | |||
AnalysisAre you interested in a more custom user analysis? Talk to us!
Amount Significance: Negative amounts represent debits (expenses), and positive amounts represent credits (income). Ensure that transaction amounts are correctly signed to get accurate results.
Regularity Score: The regularityScore is a value between 0 and 1, indicating how consistent the payments are in terms of timing and amount. A higher score means more regular payments.
Normalization: Transaction descriptions are normalized by converting to lowercase and removing special characters and extra whitespace.
Minimum Occurrences: A payment must occur at least three times to be considered recurring.
Interval Consistency: Payments must occur at consistent intervals (approximately monthly, within a 30 ±5 day range).
Amount Variance: The variance in transaction amounts must be less than or equal to 10% to be considered consistent.
Here is an example of the response:
{
"recurringPayments": [
{
"description": "debito aut conta agua e esgoto sabesp",
"averageAmount": -76.78,
"occurrences": [
"77777777-8888-9999-0000-111111111111",
"88888888-9999-0000-1111-222222222222",
"99999999-0000-1111-2222-333333333333"
],
"regularityScore": 0.997773784382727
},
{
"description": "ebn spotify",
"averageAmount": 21.9,
"occurrences": [
"aaaaaaa1-aaaa-aaaa-aaaa-aaaaaaaaaaaa",
"bbbbbbb1-bbbb-bbbb-bbbb-bbbbbbbbbbbb",
"ccccccc1-cccc-cccc-cccc-cccccccccccc",
"ddddddd1-dddd-dddd-dddd-dddddddddddd",
"eeeeeee1-eeee-eeee-eeee-eeeeeeeeeeee",
"fffffff1-ffff-ffff-ffff-ffffffffffff",
"11111111-aaaa-aaaa-aaaa-aaaaaaaaaaaa",
"22222222-bbbb-bbbb-bbbb-bbbbbbbbbbbb",
"33333333-cccc-cccc-cccc-cccccccccccc",
"44444444-dddd-dddd-dddd-dddddddddddd",
"55555555-eeee-eeee-eeee-eeeeeeeeeeee",
"66666666-ffff-ffff-ffff-ffffffffffff"
],
"regularityScore": 0.9344445222642911
},
{
"description": "mp camisetadepre",
"averageAmount": 8.57,
"occurrences": [
"99999999-cccc-cccc-cccc-cccccccccccc",
"00000000-dddd-dddd-dddd-dddddddddddd",
"aaaaaaa3-aaaa-aaaa-aaaa-aaaaaaaaaaaa",
"bbbbbbb3-bbbb-bbbb-bbbb-bbbbbbbbbbbb",
"ccccccc3-cccc-cccc-cccc-cccccccccccc",
"ddddddd3-dddd-dddd-dddd-dddddddddddd"
],
"regularityScore": 0.9199999999999999
},
{
"description": "niazi chohfi textil",
"averageAmount": 20.12,
"occurrences": [
"eeeeeee3-eeee-eeee-eeee-eeeeeeeeeeee",
"fffffff3-ffff-ffff-ffff-ffffffffffff",
"11111113-aaaa-aaaa-aaaa-aaaaaaaaaaaa",
"22222222-bbbb-bbbb-bbbb-bbbbbbbbbbbb"
],
"regularityScore": 0.9528595479208968
}
]
}