Transaction Data Integrity
Transaction data integrity starts before the submission.
Acquiring banks submit millions of transaction records to card networks every day. super.AI adds merchant transaction enrichment and validation before submission. Errors caught before submission cost nothing. Errors caught after cost everything.
What the acquirer submits
What Transaction Data Integrity returns
- MCC (corrected)
- 5812 Eating Places
- Scheme check
- Visa Rule 5.11 — Pass
- Status
- Cleared for submission
- Acquiring banks
- US-based card networks
- Cross-border payment environments
- Initial LATAM campaign focus
- No core banking migration required
The problem
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.
How it works
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.
- 01
Data generated
Core banking systems produce transaction records. No changes to existing infrastructure required.
- 02
Pre-submission validation
Every record checked against current card network scheme requirements automatically, in seconds.
- 03
Errors surfaced internally
Errors flagged and resolved inside the institution's environment before they reach the network.
- 04
Clean submission sent
Only validated, compliant records reach the card network. No penalties. No exceptions. No surprises.
Regional launch context
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. Select a country to see where the validation layer inserts within that payment flow and why it matters there.
Payment flow
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.
- 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
Capabilities
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, not flagged by the network after the fact.
Always-current rule engine
Card network scheme requirements change continuously. Transaction Data Integrity updates automatically so compliance teams are never caught off guard by a rule change they did not see coming.
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.
Who it serves
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
The super.AI platform
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.
Intelligent Document Processing
AI-powered extraction, classification, and processing of complex documents at any scale, any format.
Human-in-the-Loop
Expert human oversight embedded within automated workflows, for when accuracy is non-negotiable.
Transaction Data Integrity
Automated pre-submission validation of transaction data against card network requirements, in seconds, every time.
Get started
Ready to submit data you can stand behind?
If this sounds like something worth exploring, we are happy to walk through how Transaction Data Integrity applies to your specific submission environment.