The data rails for
autonomous business spend

Finance platforms in the age of AI need real-time clean, structured data from every card and every bank account. Astrada connects directly to card networks and integrates bank data — enabling your platform to fully categorize, reconcile, and close the books.

Contact Sales → Get API Access
VISA_AUTH_REQ STAN:847291 RRN:240115084729 TERMINAL:POS-SF-2847 MERCHANT_ID:4521884700012 ACQUIRER_BIN:409384 RESP:00   MC_AUTH_REQ STAN:293847 RRN:240115293847 TERMINAL:POS-CHI-1129 MERCHANT_ID:5412220900034 DE48:000048700   VISA_AUTH_REQ STAN:847291 RRN:240115084729 TERMINAL:POS-SF-2847 MERCHANT_ID:4521884700012 ACQUIRER_BIN:409384 RESP:00   MC_AUTH_REQ STAN:293847 RRN:240115293847 TERMINAL:POS-CHI-1129 MERCHANT_ID:5412220900034 DE48:000048700  
*NORTHWIND*ALEXANDERPLATZ*BERLIN*DE MCC:5814 PAN:4521****5540 AUTH:492847 AMT:000000000480 CCY:978 DE039:00 APPROVED   *CITYHOP*RIDE*NEW YORK*NY MCC:4121 PAN:5412****7753 AUTH:384729 AMT:000000002450 CCY:840   *HARBORVIEW HOTELS*AUSTIN*TX MCC:7011 PAN:4521****8812 AMT:000000018900 CCY:840   *NORTHWIND*ALEXANDERPLATZ*BERLIN*DE MCC:5814 PAN:4521****5540 AUTH:492847 AMT:000000000480 CCY:978 DE039:00 APPROVED   *CITYHOP*RIDE*NEW YORK*NY MCC:4121 PAN:5412****7753 AUTH:384729 AMT:000000002450 CCY:840   *HARBORVIEW HOTELS*AUSTIN*TX MCC:7011 PAN:4521****8812 AMT:000000018900 CCY:840  
*NORTHWIND COFFEE*33 MARKET ST*SAN FRANCISCO*CA MCC:5814 PAN:4521****8834 AUTH:847291 AMT:000000000750 CCY:840 DE039:00 APPROVED   *MERIDIAN AIRLINES*TICKET OFC*CHICAGO*IL MCC:3000 PAN:5412****2209 AUTH:293847 AMT:000000048700 CCY:840 DE039:00 APPROVED   *HARBORVIEW HOTELS*LONDON*GB MCC:7011 PAN:4521****2209 AMT:000000023100 CCY:826   *NORTHWIND COFFEE*33 MARKET ST*SAN FRANCISCO*CA MCC:5814 PAN:4521****8834 AUTH:847291 AMT:000000000750 CCY:840 DE039:00 APPROVED   *MERIDIAN AIRLINES*TICKET OFC*CHICAGO*IL MCC:3000 PAN:5412****2209 AUTH:293847 AMT:000000048700 CCY:840 DE039:00 APPROVED   *HARBORVIEW HOTELS*LONDON*GB MCC:7011 PAN:4521****2209 AMT:000000023100 CCY:826  
93856224680135755544422000789474 ASTRADA:ATX-20240115-847291 NETWORK:VISA BIN:452187 ACQUIRER:019284 TERMINAL:T8847291 BATCH:B20240115   93856224680135798822331000455219 ASTRADA:ATX-20240115-293847 NETWORK:MASTERCARD BIN:541287 ACQUIRER:028475 TERMINAL:T2293847   93856224680135755544422000789474 ASTRADA:ATX-20240115-847291 NETWORK:VISA BIN:452187 ACQUIRER:019284 TERMINAL:T8847291 BATCH:B20240115   93856224680135798822331000455219 ASTRADA:ATX-20240115-293847 NETWORK:MASTERCARD BIN:541287 ACQUIRER:028475 TERMINAL:T2293847  
x0200\b\x00\x38\x20\x05\x80\x00\x00\x00\x07\x50\x00\x01\x15\x08\x47\x29\x00\x58\x14\x45\x21\x88\x34\x00\x08\x40   x0200\b\x00\x38\x20\x05\x80\x00\x00\x04\x87\x00\x00\x01\x15\x29\x38\x47\x00\x30\x00\x54\x12\x22\x09\x00\x08\x40   x0100\b\x00\x38\x20\x06\x40\x00\x00\x02\x31\x00\x00\x08\x26   x0200\b\x00\x38\x20\x05\x80\x00\x00\x00\x07\x50\x00\x01\x15\x08\x47\x29\x00\x58\x14\x45\x21\x88\x34\x00\x08\x40   x0200\b\x00\x38\x20\x05\x80\x00\x00\x04\x87\x00\x00\x01\x15\x29\x38\x47\x00\x30\x00\x54\x12\x22\x09\x00\x08\x40   x0100\b\x00\x38\x20\x06\x40\x00\x00\x02\x31\x00\x00\x08\x26  
<AuthRsp><TxnId>ATX-847291</TxnId><MerchantName>NORTHWIND COFFEE</MerchantName><MCC>5814</MCC><Amt Ccy="840">750</Amt><RspCd>00</RspCd></AuthRsp>   <AuthRsp><TxnId>ATX-293847</TxnId><MerchantName>MERIDIAN AIRLINES</MerchantName><MCC>3000</MCC><Amt Ccy="840">48700</Amt><RspCd>00</RspCd></AuthRsp>   <AuthRsp><TxnId>ATX-847291</TxnId><MerchantName>NORTHWIND COFFEE</MerchantName><MCC>5814</MCC><Amt Ccy="840">750</Amt><RspCd>00</RspCd></AuthRsp>   <AuthRsp><TxnId>ATX-293847</TxnId><MerchantName>MERIDIAN AIRLINES</MerchantName><MCC>3000</MCC><Amt Ccy="840">48700</Amt><RspCd>00</RspCd></AuthRsp>  
:61:240115D000000750NTRFNORTHWIND COFFEE//REF:847291 :86:/EREF/PMT-20240115-847/AUTH847291/CREDITOR/NORTHWIND COFFEE INC   :61:240115D000048700NTRFMERIDIAN AIRLINES//REF:293847 :86:/EREF/PMT-20240115-293/AUTH293847   03,010,48700,,,/HARBORVIEW-NYC/REF:CLR-20240115/BATCH:B2024-4521   :61:240115D000000750NTRFNORTHWIND COFFEE//REF:847291 :86:/EREF/PMT-20240115-847/AUTH847291/CREDITOR/NORTHWIND COFFEE INC   :61:240115D000048700NTRFMERIDIAN AIRLINES//REF:293847 :86:/EREF/PMT-20240115-293/AUTH293847   03,010,48700,,,/HARBORVIEW-NYC/REF:CLR-20240115/BATCH:B2024-4521  
BAI2:16,452188834,USD,/TXN/DR/750/NORTHWIND COFFEE/REF:847291/   16,541222209,USD,/TXN/DR/48700/MERIDIAN AIRLINES/REF:293847/   88,CLR-20240115,DR,23100/GBP/HARBORVIEW-NYC/   BAI2:16,452188834,USD,/TXN/DR/750/NORTHWIND COFFEE/REF:847291/   16,541222209,USD,/TXN/DR/48700/MERIDIAN AIRLINES/REF:293847/   88,CLR-20240115,DR,23100/GBP/HARBORVIEW-NYC/  
:20:STMT-240115-001 :25:IBAN-DE89370400440532013000 :28C:00135/001 :60F:C240114EUR48291,50 :61:240115D480NTRFNORTHWIND//AUTH:492847 :62F:C240115EUR47811,50   :20:STMT-240115-002 :25:GB82WEST12345698765432 :28C:235/1 :60F:C240114GBP12847,00 :62F:C240115GBP12616,00   :20:STMT-240115-001 :25:IBAN-DE89370400440532013000 :28C:00135/001 :60F:C240114EUR48291,50 :61:240115D480NTRFNORTHWIND//AUTH:492847 :62F:C240115EUR47811,50   :20:STMT-240115-002 :25:GB82WEST12345698765432 :28C:235/1 :60F:C240114GBP12847,00 :62F:C240115GBP12616,00  
{"event":"transaction.created","data":{"id":"txn_847291","descriptor":"NORTHWIND COFFEE","amount":750,"currency":"USD","status":"PENDING","mcc":"5814"}}   {"event":"transaction.settled","data":{"id":"txn_293847","descriptor":"MERIDIAN AIRLINES","amount":48700,"status":"SETTLED"}}   {"event":"transaction.created","data":{"id":"txn_847291","descriptor":"NORTHWIND COFFEE","amount":750,"currency":"USD","status":"PENDING","mcc":"5814"}}   {"event":"transaction.settled","data":{"id":"txn_293847","descriptor":"MERIDIAN AIRLINES","amount":48700,"status":"SETTLED"}}  
Card Transactions / Bank Feeds
↓
Astrada
est. 2024
Real-Time Business Spend Captured
Transactions Processed
<BkToCstmrStmt><GrpHdr><MsgId>MSG-20240115-001</MsgId><CreDtTm>2024-01-15T10:30:00Z</CreDtTm></GrpHdr> <Ntry><Amt Ccy="USD">7.50</Amt><CdtDbtInd>DBIT</CdtDbtInd><Sts>BOOK</Sts></Ntry>   <BkToCstmrStmt><GrpHdr><MsgId>MSG-20240115-001</MsgId><CreDtTm>2024-01-15T10:30:00Z</CreDtTm></GrpHdr> <Ntry><Amt Ccy="USD">7.50</Amt><CdtDbtInd>DBIT</CdtDbtInd><Sts>BOOK</Sts></Ntry>  
Id><ClrSysMmbId><MmbId>233333377A1</MmbId></ClrSysMmbId></FinInstnId></Fi> <RmtInf><Ustrd>NORTHWIND COFFEE SAN FRANCISCO</Ustrd></RmtInf> x00@\x00\x00\x00\x00\x00\x00\x11\x00\xF1\x00   Id><ClrSysMmbId><MmbId>233333377A1</MmbId></ClrSysMmbId></FinInstnId></Fi> <RmtInf><Ustrd>NORTHWIND COFFEE SAN FRANCISCO</Ustrd></RmtInf> x00@\x00\x00\x00\x00\x00\x00\x11\x00\xF1\x00  
\x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x45\x21\x88\x34\x00\x00\x00\x00\x07\x50\x00\x12\x24\x01\x15\x08\x47\x29\x01\x00\x00\x58\x14\x00\x08\x40\x00\x00\x00\x00\x00\x00\x00   \x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x54\x12\x22\x09\x00\x00\x04\x87\x00\x00\x12\x24\x01\x15\x29\x38\x47\x00\x00\x00\x30\x00\x00\x08\x40\x00   \x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x45\x21\x88\x34\x00\x00\x00\x00\x07\x50\x00\x12\x24\x01\x15\x08\x47\x29\x01\x00\x00\x58\x14\x00\x08\x40\x00\x00\x00\x00\x00\x00\x00   \x02\x00\x30\x20\x05\x80\x80\xC0\x00\x00\x16\x54\x12\x22\x09\x00\x00\x04\x87\x00\x00\x12\x24\x01\x15\x29\x38\x47\x00\x00\x00\x30\x00\x00\x08\x40\x00  
NORTHWIND #12847  ALEXANDERPLATZ 1  BERLIN DE 10178  15.01.2024 09:32  1x CAFFÈ LATTE  EUR3.90  MWSt 19%: EUR0.77  TOTAL: EUR4.80  VISA ****5540   CITYHOP RIDE  NEW YORK NY  01/15/2024  TRIP-20240115-129  BASE: $18.50  SURGE: $4.00  TIP: $2.00  TOTAL: $24.50  VISA ****7753   NORTHWIND #12847  ALEXANDERPLATZ 1  BERLIN DE 10178  15.01.2024 09:32  1x CAFFÈ LATTE  EUR3.90  MWSt 19%: EUR0.77  TOTAL: EUR4.80  VISA ****5540   CITYHOP RIDE  NEW YORK NY  01/15/2024  TRIP-20240115-129  BASE: $18.50  SURGE: $4.00  TIP: $2.00  TOTAL: $24.50  VISA ****7753  
HARBORVIEW HOTELS  AUSTIN TX 78701  CHK-IN: 01/14 CHK-OUT: 01/16  ROOM: $189.00 TAX: $17.35  TOTAL: $206.35  VISA ****8812   HARBORVIEW LONDON BANKSIDE  2 SOUTHWARK BRIDGE RD  11.01.2024  ROOM: £198.00 VAT 20%: £33.00  TOTAL: £231.00  VISA ****2209   HARBORVIEW HOTELS  AUSTIN TX 78701  CHK-IN: 01/14 CHK-OUT: 01/16  ROOM: $189.00 TAX: $17.35  TOTAL: $206.35  VISA ****8812   HARBORVIEW LONDON BANKSIDE  2 SOUTHWARK BRIDGE RD  11.01.2024  ROOM: £198.00 VAT 20%: £33.00  TOTAL: £231.00  VISA ****2209  
MERIDIAN AIRLINES  FLT:DL1847 JFK-SFO 15JAN24  FARE: $342.00 TAX: $28.50 SEG FEE: $4.50  TOTAL: $375.00  AMEX ****3321   CITYHOP RENT-A-CAR  AUSTIN TX  PICKUP: 01/14 RETURN: 01/16  2DAYS MID-SIZE  RATE: $45.00/DAY  TOTAL: $103.47  VISA ****8812   MERIDIAN AIRLINES  FLT:DL1847 JFK-SFO 15JAN24  FARE: $342.00 TAX: $28.50 SEG FEE: $4.50  TOTAL: $375.00  AMEX ****3321   CITYHOP RENT-A-CAR  AUSTIN TX  PICKUP: 01/14 RETURN: 01/16  2DAYS MID-SIZE  RATE: $45.00/DAY  TOTAL: $103.47  VISA ****8812  
<pain.001><PmtInf><PmtMtd>TRF</PmtMtd><ReqdExctnDt>2024-01-15</ReqdExctnDt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>US33000000000000000012</IBAN></Id></DbtrAcct><CdtTrfTxInf><Amt><InstdAmt Ccy="USD">487.00</InstdAmt></Amt><Cdtr><Nm>MERIDIAN AIRLINES</Nm></Cdtr></CdtTrfTxInf></PmtInf></pain.001>   <pain.001><PmtInf><PmtMtd>TRF</PmtMtd><ReqdExctnDt>2024-01-15</ReqdExctnDt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>US33000000000000000012</IBAN></Id></DbtrAcct><CdtTrfTxInf><Amt><InstdAmt Ccy="USD">487.00</InstdAmt></Amt><Cdtr><Nm>MERIDIAN AIRLINES</Nm></Cdtr></CdtTrfTxInf></PmtInf></pain.001>  
93856224680139921144522000384729 ASTRADA:ATX-20240115-492847 NETWORK:VISA BIN:452155 ACQUIRER:019284 BATCH:B20240115-EUR   93856224680137728833110000206350 ASTRADA:ATX-20240115-384729 NETWORK:MASTERCARD BIN:541277 ACQUIRER:028475 BATCH:B20240115-USD   93856224680139921144522000384729 ASTRADA:ATX-20240115-492847 NETWORK:VISA BIN:452155 ACQUIRER:019284 BATCH:B20240115-EUR   93856224680137728833110000206350 ASTRADA:ATX-20240115-384729 NETWORK:MASTERCARD BIN:541277 ACQUIRER:028475 BATCH:B20240115-USD  
Data Sources
Trusted by Leading Finance Platforms
Miter Extend Payhawk Workday Vergo Zoho
The Problem

Autonomous finance requires complete,
high-quality, real-time data

The Visibility Gap
40–60%
of card spend is invisible to the platform

Platforms that issue their own cards only see spend on those cards. Business travelers use personal cards. Teams in new markets use local corporate cards. The result: your platform is missing half the picture.

Astrada's answer: Bring Your Own Card. Employees enroll any card — personal, corporate, any issuer — and your platform sees everything. That's how you capture spend your competitors never see.
The Quality Gap
24–48h
delay on bank feed data

Bank feeds are batch-processed, delayed, and unstructured. You get a merchant name string and an amount — no MCC, no terminal ID, no real-time signal. You can't build autonomous categorization or real-time policy enforcement on that.

Astrada's answer: Direct card network connections. 10+ structured fields per transaction, delivered at authorization — not hours or days later. Your platform categorizes and enforces policy in real time, while competitors wait for yesterday's bank feed.
The lifecycle

The live signal the moment a card is tapped,
the settled truth when it clears.

Astrada delivers both, matched into a single transaction.

Northwind Coffee
$21.40
  1. 12:04 PM
    Tapped
    —
  2. 2 seconds
    Authorized CARD
    $18.40
  3. Next day
    Cleared CARDtip added
    $21.40
  4. Day 3
    On the statement ACCOUNT
    $21.40
  5. Automatic
    Reconciledthree signals, one transaction
    $21.40
No matching logic to build. No duplicate rows to clean up.
Products

Rebuild the statement in real time,
for humans and agents.

Act the moment spend happens. Close the books when it settles.

Card Transactions — Live transaction feed showing structured webhook data with merchant, amount, MCC, and status fields
LiveReal-time

Card Transactions

See every purchase

Connect to card networks directly. Get structured, real-time transaction data from any enrolled card — personal or corporate, any issuer.

Explore Card Transactions
Card & Bank Accounts — account activity feed showing an annual membership fee posted by the issuer as a webhook payload, with no merchant, a fees category and a settled status, above recent account records
Early AccessSettled

Card & Bank Accounts

See everything else

Link the card and bank account for payments, credits, FX fees and other activity that never crosses the card network.

Explore Accounts
Enrichment — a raw descriptor resolved to a verified merchant with clean name, logo, category and street address
Early AccessReal-time

Enrichment

See who was paid

Resolve cryptic descriptors to a real business — clean name and logo, category, and street-level location, delivered at authorization.

Explore Enrichment
Auto-Reconciliation — Card transactions matched to bank settlements with confidence scores
Early AccessOn settlement

Auto-Reconciliation

See it as one transaction

Automated matching across the transaction feed and the account feed — the network record of a purchase paired with the issuer record of the same purchase, so the books close faster.

Explore Auto-Reconciliation
Backed by Visa, Mastercard & leading fintech investors
Visa Mastercard Bain Capital Ventures Nyca Partners QED Investors

See how Astrada works for
your platform's use case

Expense Management Travel Management Accounting & ERP
Contact Sales → Get API Access