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Spade Series B - Owning the Data Layer for Financial Services 

Startups and small businesses use Mercury’s banking and software to power all their financial workflows. With banking, treasury, and credit products tailored to founders, finance leads, and teams, Mercury provides innovative tools that make it easier to grow your business.

Spade & Mercury: Building a best-in-class corporate card program

Today, we're thrilled to announce our partnership with Bilt, the pioneering loyalty program for home and neighborhood, to help enhance Bilt’s reward offerings and user experience with enriched transaction data.

Spade Partners with Bilt to Enhance Member Experience and Rewards Offerings

If you’ve ever worked in payments or with transaction data, you’ve come across merchant IDs (also known as MIDs or acquirer IDs, or card acceptor IDs, or any number of other things). A MID is an alphanumeric ID that a merchant gets assigned at the processor level.

Why MIDs Are Mid: The Challenge of Merchant Identification

We’re thrilled to announce that Stripe Issuing has partnered with Spade to power their enriched merchant data offering. Innovators using Stripe Issuing can now leverage our merchant intelligence to gain enhanced transaction visibility, complete with merchant logos, names, locations, and categories.

Spade Partners with Stripe to Power Real-Time Merchant Intelligence

Our core product at Spade is our real-time transaction enrichment API. This service allows our customers to enrich credit card transactions, bank transfers, aggregator transactions, and more - identifying the merchant involved and providing a deep understanding of what actually happened in each interaction.

Testing Transaction Enrichment at Scale, Part 1: Quality

Spade’s API set the bar for transaction enrichment, turning messy transaction strings into verified, structured data that teams can trust. Now, we’re helping those teams take the next step: getting value from that data automatically.

From enrichment to agentic workflows: redefining how financial data works

Anyone who’s worked with transaction data knows the pain. Merchant names are abbreviated or flat-out wrong. Categories don’t line up. Location details are missing. Spade has already solved this for card and transfer data.

Universal Enrichment: Making All Transaction Data Useful

If you’ve ever looked at a bank statement and had no idea what a charge was, you’re not alone. Even in 2025, transaction data — one of the most valuable sources of information in financial services — still shows up as cryptic strings, vague abbreviations, or flat-out misleading descriptors. It’s confusing for customers. And it’s even more frustrating for the teams building on top of it.

Spade Enriches Bank Transfers to Unlock Cleaner Workflows Across Rails

Long before regulators stepped in, Spade detected and flagged unusual activity tied to the scams at the center of the FTC’s recent case against payment processor Paddle. The patterns were visible, if you knew where to look.

Spade Identified High-Risk Transactions Tied to Paddle Lawsuit Months Before FTC Enforcement

AI is creating new possibilities across every corner of financial services – from real-time personalization to smarter fraud detection and entirely new customer experiences. But the institutions that will win in this next wave aren’t just the ones with the biggest AI budgets. They’re the ones with the cleanest data.

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Spade Series B - Owning the Data Layer for Financial Services

Spade Series B - Owning the Data Layer for Financial Services

Spade & Mercury: Building a best-in-class corporate card program

Spade Partners with Bilt to Enhance Member Experience and Rewards Offerings

Why MIDs Are Mid: The Challenge of Merchant Identification

Spade Partners with Stripe to Power Real-Time Merchant Intelligence