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Finance

Bank Transaction JSON Example

A JSON example for a bank or payment transaction record — includes merchant details, amount, currency, balance snapshot, and categorization. Copy-ready for fintech APIs and personal finance apps.

{
  "id": "txn_4HqKnVpMx7r",
  "accountId": "acc_8fTrQmWz3k",
  "type": "debit",
  "status": "completed",
  "amount": {
    "value": -1299,
    "currency": "INR",
    "displayValue": "₹1,299.00"
  },
  "balanceAfter": {
    "available": 42381.5,
    "currency": "INR"
  },
  "merchant": {
    "id": "merch_Swiggy",
    "name": "Swiggy",
    "categoryCode": "5812",
    "categoryLabel": "Restaurants",
    "logoUrl": "https://cdn.example.com/merchants/swiggy.png",
    "location": {
      "city": "Ahmedabad",
      "country": "IN"
    }
  },
  "description": "SWIGGY*ORDER #9182736",
  "category": {
    "primary": "Food & Dining",
    "secondary": "Food Delivery",
    "icon": "🍔",
    "isAutoClassified": true
  },
  "channel": "upi",
  "referenceId": "UPI20250601123456789",
  "notes": null,
  "isRecurring": false,
  "tags": [],
  "createdAt": "2025-06-01T13:22:07Z",
  "settledAt": "2025-06-01T13:22:09Z"
}

Field Reference

idrequiredstringUnique transaction identifier
typerequiredstringTransaction direction: debit (money out) or credit (money in)
amount.valuerequirednumberSigned amount — negative for debits, positive for credits. Use cents/paise for precision (no floating-point errors)
amount.currencyrequiredstringISO 4217 currency code: INR, USD, EUR
balanceAfteroptionalobjectAccount balance after this transaction — useful for timeline views
merchantoptionalobjectMerchant details enriched from the transaction description
categoryoptionalobjectSpending category — auto-classified or user-defined
channeloptionalstringPayment channel: upi, card, netbanking, wallet, neft, rtgs, imps

Variants

Credit (Salary)Credit transaction for salary deposit.
{
  "id": "txn_CrQmVz8pNx",
  "accountId": "acc_8fTrQmWz3k",
  "type": "credit",
  "status": "completed",
  "amount": {
    "value": 75000,
    "currency": "INR",
    "displayValue": "₹75,000.00"
  },
  "balanceAfter": {
    "available": 117381.5,
    "currency": "INR"
  },
  "description": "SALARY JUN25 TECHCORP",
  "category": {
    "primary": "Income",
    "secondary": "Salary",
    "icon": "💼",
    "isAutoClassified": true
  },
  "channel": "neft",
  "referenceId": "NEFT20250601SALARY01",
  "isRecurring": true,
  "createdAt": "2025-06-01T09:00:00Z",
  "settledAt": "2025-06-01T09:00:05Z"
}

Common Use Cases

  • →Displaying a transaction history feed in a personal finance or banking app
  • →Categorizing transactions for budget tracking and spending insights
  • →Reconciling transactions against invoices or receipts
financetransactionbankingpaymentfintech

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Frequently Asked Questions

Always store monetary amounts as integers in the smallest currency unit (paise for INR, cents for USD). Floating-point arithmetic causes rounding errors that accumulate across calculations. Convert to decimal only when displaying to users.

Keep a 'status' field with values: pending (authorized but not settled), completed (fully settled), failed, and reversed. Pending transactions should not update the settled balance — track 'available' (includes pending holds) and 'settled' separately.

Store both the original foreign amount (with currency code) and the converted home-currency amount. Include the exchange rate and timestamp used for conversion. Example: { originalAmount: { value: 20, currency: 'USD' }, convertedAmount: { value: 1668, currency: 'INR', rate: 83.4 } }

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