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What is Spade?

Spade’s API offers precise insights into merchants, categories, and locations by utilizing verified data rather than relying on assumptions, ensuring real-time accuracy. It leverages a strong ground-truth data network that connects transactions to authentic merchant identities, thus removing the necessity for data scraping or speculation. You can access extensive and standardized details for more than 99.9% of merchants in the U.S., encompassing everything from major national brands to small local businesses. By moving beyond conventional MCC and NAICs codes, you gain access to detailed spending categories, geographic coordinates, and supplementary information such as logos, websites, operating hours, and insights into customer spending behaviors. The processing of transaction data is exceptionally fast, with enhancements delivered in under 50 milliseconds, which is well within the limits for card authorizations and significantly faster than rival enrichment services. Moreover, the integration process is quick and user-friendly, capable of being completed in less than an hour, which promotes immediate operational efficiency. This efficient setup ensures that businesses can quickly leverage accurate data, enhancing decision-making processes without unnecessary delays. Ultimately, Spade's API transforms how companies interact with merchant data, making it a vital tool for growth and strategic planning.

What is 3D Secure?

Beyond meeting the Strong Customer Authentication (SCA) standards mandated by PSD2, the revised 3DS 2.0 protocol presents numerous benefits, especially for mobile payment applications. Its advanced structure greatly improves the user experience on mobile devices, ensuring seamless compatibility with various mobile wallet applications and simplifying in-app purchases. This enhancement also applies to non-browser environments, thereby enriching overall mobile integration. Merchants are required to implement additional authentication measures only when the transaction risks are assessed as high, which is a relatively rare occurrence. Moreover, the incorporation of biometric authentication within the merchant’s app is expected to be viewed as a trustworthy security measure by customers. This efficient method not only boosts security but also fosters greater consumer trust in mobile transactions, thereby potentially increasing overall transaction volumes. The overall impact of these improvements could lead to a more robust and user-friendly mobile payment ecosystem.

Media

Media

Integrations Supported

Quiltt

Integrations Supported

CatalystPay
Kurv

API Availability

Has API

API Availability

Pricing Information

Free
Free Version

Pricing Information

Pricing not provided

Supported Platforms

SaaS

Supported Platforms

SaaS

Customer Service / Support

Web-Based Support

Customer Service / Support

Web-Based Support

Training Options

Documentation Hub

Training Options

Not specified

Company Facts

Organization Name

Spade

Date Founded

2021

Company Location

United States

Company Website

spade.com

Company Facts

Organization Name

3D Secure

Company Website

3dsecure2.com

Categories and Features

Financial Data APIs

Not specified

Categories and Features

Authentication

Not specified

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