Changelog

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Incremental Updates for Merchant Action Triggers

• add: Register new merchants or update existing ones. Existing merchants that aren’t in the request are left untouched. Submitting a trigger ID that already exists replaces that registration (upsert).
• remove: Remove merchants by trigger ID. Completes in under 100ms regardless of registration size.

// Add merchants
{
  "operation": "add",
  "merchantTriggers": [
    { "id": "trigger-123", "merchantName": "Starbucks", "action": { "type": "REWARD", "points": 100 } }
  ]
}

// Remove merchants
{
  "operation": "remove",
  "triggerIds": ["trigger-123", "trigger-456"]
}

​

Program-Scoped Merchant Action Triggers

GET    /programs/{programId}/merchant-action-triggers
PUT    /programs/{programId}/merchant-action-triggers
PATCH  /programs/{programId}/merchant-action-triggers
DELETE /programs/{programId}/merchant-action-triggers

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Merchant Action Triggers

// Register triggers at account scope
PUT /merchant-action-triggers
{
  "merchantTriggers": [
    {
      "id": "trigger-123",
      "merchantName": "Starbucks",
      "action": { "type": "REWARD", "points": 100 }
    }
  ]
}

// Matched trigger in enrichment response
"triggeredActions": [
  {
    "id": "trigger-123",
    "type": "merchant_trigger",
    "action": { "type": "REWARD", "points": 100 },
    "scope": "account"
  }
]

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New Category: Mortgage

001-008-001-000 = Banking and Finance -> Lending -> Mortgage Example: United Wholesale Mortgage will be categorized as Mortgage moving forward.

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New Category: AI Services

013-009-013-000 = Technology -> Software -> AI Services Example: OpenAI will be categorized as AI Services moving forward.

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Mobile App Data

"mobileAppInfo": {
  "id": "0d1ef10f-2652-39bd-98f1-af34ae03a4a7",
  "name": "Artificial Life",
  "url": "https://play.google.com/store/apps/details?id=com.mooncoder.alife",
  "logo": null,
  "developerName": "Mooncoder",
  "developerId": "f6fdc9b1-f0ea-3dda-8e15-ead6fe5755fe",
  "category": "Education and Parenting",
  "hasGamblingOrRewards": false,
  "hasSimulatedGambling": false,
  "ageRating": "Children"
},

​

Third Party Websites

"thirdParties": [
    {
        "id": "9063bc0f-0a3f-4b1f-bf64-4f9862e17002",
        "name": "PayPal",
        "type": "platform",
        "logo": "https://static.v2.spadeapi.com/logos/9063bc0f0a3f4b1fbf644f9862e17002/light.png",
        "website": "http://www.paypal.com/"
    }
],

​

New Category: Golf Courses ⛳

004-002-013-000 = Entertainment -> Recreation -> Golf Courses Example: Canyon Springs Golf Club will be categorized as ‘Golf Courses’ moving forward.

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Spade Categorization Update

1. New categories and naming updates: Please note that all newly added categories are tier 3 or tier 4 categories that fall under our existing category tree, ensuring compatibility with your integration. Contact support@spade.com for the full file instead

• Cannabis:
  • Renamed 011-013-001-000 Retail -> Specialty Retail -> Cannabis Dispensary to Retail -> Specialty Retail -> Cannabis (Category code stays the same)
  • New tier 4 categories under Cannabis:
    • 011-013-001-001 Retail -> Specialty Retail -> Cannabis -> Dispensary (Example: Food4Thought, Houston, TX)
    • 011-013-001-002 Retail -> Specialty Retail -> Cannabis -> CBD and Unscheduled Cannabis Products (Example: Drink Brez)
• Firearms:
  • New tier 3 category Firearms under Retail -> Specialty Retail, and two new tier 4 categories under that:
    • 011-013-022-000 Retail -> Specialty Retail -> Firearms (Example: Kroll International)
    • 011-013-022-001 Retail -> Specialty Retail -> Firearms -> Guns (Example: Primary Arms)
    • 011-013-022-002 Retail -> Specialty Retail -> Firearms -> Ammo and Accessories (Example: Lucky Gunner)
• Vitamins and Supplements:
  • New tier 3 category Vitamins and Supplements under Retail -> Specialty Retail:
    • 011-013-023-000 Retail -> Specialty Retail -> Vitamins and Supplements (Example: GNC)
• Firing Ranges and Clubs:
  • New tier 3 category Firing Ranges and Clubs under Entertainment -> Recreation:
    • 004-002-012-000 Entertainment -> Recreation -> Firing Ranges and Clubs (Example: Guntry Club Of Maryland)

2. Categorization Improvements: in addition to adding new categories, we are rolling out improvements to existing categorizations:

• Adult Entertainment: Enhanced categorization for merchants without a dedicated MCC, including online platforms (e.g., Chaturbate) and physical clubs (e.g., The Box NYC).
• Casinos and Gambling: Better classification of online gambling games and sports betting merchants (e.g., Underdog Sports, Modo).
• Convenience Stores vs. Bodegas: Improved differentiation between convenience stores and specialty food retailers (e.g., Chelsea Gourmet Deli categorized as Specialty Food).
• Cafes vs. Restaurants/Fast Food: Refined categorization for cafes that often share MCCs with restaurants or fast food (e.g., Bluestone Lane categorized as Cafes, while Lisbon Cafe remains a Restaurant).

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Address Line 1 and 2

"location": [
  {
    ...
    "address": "1234 W 5th Ave Suite 100",
    "addressLine1": "1234 W 5th Ave",
    "addressLine2": "Suite 100",
    ...
  }
]