Real-time merchant matching guide

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Overview

Real time merchant matching allows you to effectively match a small volume of merchants to locations and counterparties in Spade’s database. In this guide, we’ll use the /merchants/ match POST endpoint to submit a real-time merchant match.

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Request Schema

{
  // REQUIRED
  "merchantName": "SHELL",
  "address": "11458 S Cicero Ave",
  "city": "Alsip",
  "region": "IL",
  "postalCode": "60803",
  "country": "USA",
  "requestId": "your‑internal‑id‑123",

  // OPTIONAL – improves accuracy
  "latitude": 41.6839,
  "longitude": -87.7398,
  "website": "shell.com",

  // OPTIONAL – echoed back so you
  "customAttributes": {
    "importBatch": "oct‑15‑2025",
    "source": "legacy_sql_dump"
  }
}

Tip: Latitude & longitude are the strongest disambiguators after name + address. Use them when you have them.

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Performing Your First Match

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1. Prepare the payload

Pick a merchant from your database — ideally one with a full postal address.

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2. Send the request

import requests, json, pprint

payload = {
  "merchantName": "SHELL",
  "address": "11458 S Cicero Ave",
  "city": "Alsip",
  "region": "IL",
  "postalCode": "60803",
  "country": "USA",
  "latitude": 41.6839,
  "longitude": -87.7398,
  "requestId": "your‑internal‑id‑123"
}

resp = requests.post(
    "https://east.sandbox.spade.com/merchants/match",
    headers={"X-Api-Key": "<YOUR_SANDBOX_API_KEY>"},
    json=payload,
    timeout=2,
)
pprint.pp(resp.json())

A minimal cURL equivalent:

curl https://east.sandbox.spade.com/merchants/match \
  -H "Content-Type: application/json" \
  -H "X-Api-Key: <YOUR_SANDBOX_API_KEY>" \
  -d @payload.json

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3. Inspect the response

{
  "requestId": "your‑internal‑id‑123",
  "counterparty": {
    "id": "d90d6e09-1be3-4042-8283-7e2a7544b65d",
    "name": "Shell",
    "similarity": 100
  },
  "location": {
    "id": "e1f396bc-a0a8-4615-b317-066164e98677",
    "name": "Shell",
    "address": "11458 S Cicero Ave",
    "city": "Alsip",
    "similarity": 100
  },
  "customAttributes": {
    "importBatch": "oct‑15‑2025",
    "source": "legacy_sql_dump"
  }
}

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Response Breakdown

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counterparty

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location

Similarity vs. Match Score? For merchant matching we use similarity (string & geo distance based). Card enrichment uses matchScore (ML model across many signals). Treat them the same way: higher = better.

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Handling Non‑Matches

A null counterparty or location means we couldn’t find an acceptable match. Typical reasons:

• Typos or missing street numbers
• Recently opened stores not yet in our DB
• PO boxes or corporate HQ addresses

What to do

1. Retry with more info – add latitude/longitude if you have it.
2. Store as unknown – save the original name; you can re‑run matching later.

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Batch Matching (Optional)

If you have > 1000 merchants, use POST /batches/merchants/match. Learn more in our batch merchant matching guide.

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Implementation Notes

• Content‑Type must be application/json. Some HTTP tools fallback to multipart/form-data; override it explicitly.
• 400 errors → invalid or missing required fields (address, city, region, postalCode, country, merchantName). Parse the response JSON for details.
• 403 errors → invalid or missing API key.
• 500 errors → Spade’s infrastructure. These are rare; exponential back‑off is recommended.

If your request includes a suite, apartment, or unit designator (e.g., “123 Main St Ste 204”) and you don’t get a satisfactory match, resend the request without the suite information. Likewise, if your original request omits the suite but still fails to match, try adding the suite/apt/unit string. Suite tags are recorded inconsistently across data providers, so toggling them on or off often nudges a borderline similarity score over the threshold.

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Best Practices Checklist ✅