Transaction Data Integrity

Messy merchant data in. Verified transactions out.

super.AI enriches and verifies every card transaction before it reaches the networks. Caught before submission, errors cost nothing. Caught after, they cost everything.

Raw transaction - what enters your pipeline

• Merchant descriptor: Unreadable
  • PAG*JOSESILVA4029 SAOPA
• Merchant:
  • CNPJ-
  • MCC5999 · generic default
• Location:
• Amount: R$ 1,204.50
• Unverified - not submittable

super.AI

IdentifyEnrichVerify

Enriched & verified - what super.AI returns

• Merchant: Restaurante do José Ltda.
• Verified
• CNPJ - verified••.•••.678/0001-90
• MCC - corrected 5999→5812 Eating Places
• Location - added São Paulo, BR
• Amount - unchanged R$ 1,204.50
• Match confidence: 99.6%
• Network-ready - cleared for submission

The full journey in one line

Every card transaction passes through a chain of hand-offs. super.AI plugs in as a validation layer, enriching each record before it reaches the card network.

1. Customer: Makes purchase
2. Merchant: Accepts card
3. Processor: Routes payment
4. Acquiring bank: Submits record
5. super.AI
6. Card network: Visa / Mastercard
7. Issuing bank: Approves
8. Settlement: Fees applied
9. Merchant: Receives payout

A structural challenge hiding in every submission

Financial institutions face a persistent data quality problem. Legacy core banking systems, evolving card network scheme rules, and cross-border data requirements create gaps that traditional submission workflows were never built to catch. The result lands on operations and compliance teams as penalties, exception reports, and remediation work that should never have reached them.

Card network penalties

Non-compliant or incomplete transaction data results in penalties assessed after submission. Costs that are locked in before anyone on the team knows there was a problem.

Exception reports

Inaccurate submissions generate exception reports requiring manual investigation, consuming compliance team capacity that should be focused on higher-value work.

Remediation overhead

Correcting data errors after the fact requires significant operational effort that could be entirely eliminated by catching errors before the submission leaves the institution.

Evolving scheme rules

Card network requirements change continuously. Legacy systems cannot keep pace, creating a permanent gap between what institutions submit and what card networks require.

Validated before it leaves. Guaranteed before it costs.

Transaction Data Integrity sits between existing systems and the card network as an automated validation layer. The process completes in seconds.

1. Data generated
   • Core banking systems produce transaction records. No changes to existing infrastructure required.
2. Pre-submission validation
   • Every record checked against current card network scheme requirements automatically, in seconds.
3. Errors surfaced internally
   • Errors flagged and resolved inside the institution's environment before they reach the network.
4. Clean submission sent
   • Only validated, compliant records reach the card network. No penalties. No exceptions. No surprises.

How we fit into each market

Transaction Data Integrity is not limited to one region. The first outbound campaign focuses on LATAM acquiring banks, where payment infrastructure varies significantly by market.

Brazil

Payment flow

• Merchant: PayFac + Acquirer (Mercado Pago, Stone, Stripe BR, PagSeguro, Cielo)
• Transaction Data Integrity: Pre-submission validation layer
• Card Network: Visa, Mastercard, Elo
• Issuer: The data quality risk

In Brazil, PayFac and Acquirer are often the same entity. When data is mishandled, no upstream layer catches errors before the card network. Penalties and exceptions land directly with the institution.

Where Transaction Data Integrity inserts

• Validates against Visa, Mastercard, and Elo requirements
• Closes the gap left by the absent upstream safety net
• Catches errors before they reach the card network

What Transaction Data Integrity delivers

• Pre-submission validation: Every transaction record is checked against current card network rules before it leaves the institution's environment. Errors are caught internally.
• Always-current rule engine: Transaction Data Integrity updates automatically so compliance teams are never caught off guard.
• No infrastructure migration: Connects to existing core banking infrastructure as a validation layer. Implementation is measured in weeks, not quarters, with no IT-intensive deployment required.

Built for both sides of the transaction

Acquiring banks

Institutions operating on legacy core banking infrastructure face a structural exposure that grows with every submission cycle. Transaction Data Integrity closes that gap without requiring changes to existing systems.

• Card network penalties eliminated
• Exception reports reduced
• Remediation costs removed
• Compliance teams focused on higher-value work
• Implementation in weeks, without IT involvement

Card networks - US-based

When acquiring partners submit clean data, card networks receive fewer exceptions, spend less on manual remediation, and maintain stronger relationships with the institutions they work with.

• Cleaner submissions at the source
• Reduced exception report volume
• Lower manual remediation overhead
• Improved acquiring partner data quality at scale
• Faster settlement cycles

One platform. Three intelligent capabilities.

Transaction Data Integrity is part of the super.AI platform, built for organizations that require accuracy at scale and a partner willing to guarantee the result.

Capability 01

• Intelligent Document Processing: AI-powered extraction, classification, and processing of complex documents at any scale, any format.

Capability 02

• Human-in-the-Loop: Expert human oversight embedded within automated workflows, for when accuracy is non-negotiable.

Capability 03

• Transaction Data Integrity: Automated pre-submission validation of transaction data against card network requirements, in seconds, every time.