Account Holders

When using the Ntropy API, you can provide information about the account holder of a certain transaction. In this way, when you enrich a transaction using the API or SDK, it will also be added to that account holder’s transaction history.

An account holder represents an entity (business, consumer) that can be uniquely identified by an id and holds the account associated with the transaction.

Account holders provide important context for understanding transactions and allow additional operations such as:

Identifying recurrence between transactions of the same account.
Insights for an account holder such as income information over a period of time, subscriptions, and so on.

Optional account holder fields

Account holders allow for optional fields that can improve the quality of the enrichment significantly:

name: The name of the account holder
industry: The industry in which the account holder operates
website: The website of the account holder

Accessing account holder history

At any point, after adding transactions to an account holder’s history. You can retrieve it by supplying its id to the Transactions API:

1 from ntropy_sdk import SDK
2 
3 sdk = SDK("cd1H...Wmhl")
4 for tx in sdk.transactions.list(
5         account_holder_id="35b927b6-6fda-40aa-93b8-95b47c2b2cad"
6 ).auto_paginate():
7     ...

See the full raw output

Response

1 {
2   "next_cursor": "XjdHaksD",
3   "data": [
4     {
5       "id": "xbx8YP14g565Xk",
6       "description": "SQ* STARBUCKS 10 Union Sq",
7       "date": "2024-03-30",
8       "amount": 10,
9       "entry_type": "outgoing",
10       "currency": "USD",
11       "created_at": "2024-03-30T00:00:00",
12       "entities": {
13         "counterparty": {
14           "type": "organization",
15           "id": "d4bc3c80-ec1a-3da2-836e-2a4ca4758be5",
16           "name": "Starbucks",
17           "website": "starbucks.com",
18           "phone_number": "+1 4153753176",
19           "tax_number": "80-0429876",
20           "naics2017": "541519",
21           "logo": "https://logos.ntropy.com/starbucks.com",
22           "mccs": [
23             5814
24           ]
25         },
26         "intermediaries": [
27           {
28             "id": "916bc837-55ef-3106-88f6-5a8269ca9f2a",
29             "name": "Square, Inc.",
30             "website": "squareup.com",
31             "logo": "https://logos.ntropy.com/squareup.com",
32             "mccs": []
33           }
34         ]
35       },
36       "categories": {
37         "general": "coffee shop"
38       },
39       "location": {
40         "raw_address": "10 Union Square E, New York, New York 10003, United States",
41         "structured": {
42           "street": "Union Square East",
43           "city": "New York",
44           "state": "New York",
45           "postcode": "10003",
46           "country_code": "US",
47           "country": "United States",
48           "house_number": "10",
49           "latitude": 40.734834,
50           "longitude": -73.989782,
51           "google_maps_url": "https://www.google.com/maps/search/?api=1&query=40.734834,-73.989782",
52           "apple_maps_url": "https://maps.apple.com/?q=40.734834,-73.989782"
53         }
54       },
55       "account_holder_id": "35b927b6-6fda-40aa-93b8-95b47c2b2cad"
56     }
57   ]
58 }

An account holder represents an entity (business, consumer) that can be uniquely identified by an id and holds the account associated with the transaction.

Account holders provide important context for understanding transactions and allow additional operations such as:

Identifying recurrence between transactions of the same account.
Insights for an account holder such as income information over a period of time, subscriptions, and so on.

Optional account holder fields

Account holders allow for optional fields that can improve the quality of the enrichment significantly:

name: The name of the account holder
industry: The industry in which the account holder operates
website: The website of the account holder

Accessing account holder history

At any point, after adding transactions to an account holder’s history. You can retrieve it by supplying its id to the Transactions API:

1 from ntropy_sdk import SDK
2 
3 sdk = SDK("cd1H...Wmhl")
4 for tx in sdk.transactions.list(
5         account_holder_id="35b927b6-6fda-40aa-93b8-95b47c2b2cad"
6 ).auto_paginate():
7     ...

See the full raw output

Response

1 {
2   "next_cursor": "XjdHaksD",
3   "data": [
4     {
5       "id": "xbx8YP14g565Xk",
6       "description": "SQ* STARBUCKS 10 Union Sq",
7       "date": "2024-03-30",
8       "amount": 10,
9       "entry_type": "outgoing",
10       "currency": "USD",
11       "created_at": "2024-03-30T00:00:00",
12       "entities": {
13         "counterparty": {
14           "type": "organization",
15           "id": "d4bc3c80-ec1a-3da2-836e-2a4ca4758be5",
16           "name": "Starbucks",
17           "website": "starbucks.com",
18           "phone_number": "+1 4153753176",
19           "tax_number": "80-0429876",
20           "naics2017": "541519",
21           "logo": "https://logos.ntropy.com/starbucks.com",
22           "mccs": [
23             5814
24           ]
25         },
26         "intermediaries": [
27           {
28             "id": "916bc837-55ef-3106-88f6-5a8269ca9f2a",
29             "name": "Square, Inc.",
30             "website": "squareup.com",
31             "logo": "https://logos.ntropy.com/squareup.com",
32             "mccs": []
33           }
34         ]
35       },
36       "categories": {
37         "general": "coffee shop"
38       },
39       "location": {
40         "raw_address": "10 Union Square E, New York, New York 10003, United States",
41         "structured": {
42           "street": "Union Square East",
43           "city": "New York",
44           "state": "New York",
45           "postcode": "10003",
46           "country_code": "US",
47           "country": "United States",
48           "house_number": "10",
49           "latitude": 40.734834,
50           "longitude": -73.989782,
51           "google_maps_url": "https://www.google.com/maps/search/?api=1&query=40.734834,-73.989782",
52           "apple_maps_url": "https://maps.apple.com/?q=40.734834,-73.989782"
53         }
54       },
55       "account_holder_id": "35b927b6-6fda-40aa-93b8-95b47c2b2cad"
56     }
57   ]
58 }

1	from ntropy_sdk import SDK
2
3	sdk = SDK("cd1H...Wmhl")
4	for tx in sdk.transactions.list(
5	account_holder_id="35b927b6-6fda-40aa-93b8-95b47c2b2cad"
6	).auto_paginate():
7	...

1	{
2	"next_cursor": "XjdHaksD",
3	"data": [
4	{
5	"id": "xbx8YP14g565Xk",
6	"description": "SQ* STARBUCKS 10 Union Sq",
7	"date": "2024-03-30",
8	"amount": 10,
9	"entry_type": "outgoing",
10	"currency": "USD",
11	"created_at": "2024-03-30T00:00:00",
12	"entities": {
13	"counterparty": {
14	"type": "organization",
15	"id": "d4bc3c80-ec1a-3da2-836e-2a4ca4758be5",
16	"name": "Starbucks",
17	"website": "starbucks.com",
18	"phone_number": "+1 4153753176",
19	"tax_number": "80-0429876",
20	"naics2017": "541519",
21	"logo": "https://logos.ntropy.com/starbucks.com",
22	"mccs": [
23	5814
24	]
25	},
26	"intermediaries": [
27	{
28	"id": "916bc837-55ef-3106-88f6-5a8269ca9f2a",
29	"name": "Square, Inc.",
30	"website": "squareup.com",
31	"logo": "https://logos.ntropy.com/squareup.com",
32	"mccs": []
33	}
34	]
35	},
36	"categories": {
37	"general": "coffee shop"
38	},
39	"location": {
40	"raw_address": "10 Union Square E, New York, New York 10003, United States",
41	"structured": {
42	"street": "Union Square East",
43	"city": "New York",
44	"state": "New York",
45	"postcode": "10003",
46	"country_code": "US",
47	"country": "United States",
48	"house_number": "10",
49	"latitude": 40.734834,
50	"longitude": -73.989782,
51	"google_maps_url": "https://www.google.com/maps/search/?api=1&query=40.734834,-73.989782",
52	"apple_maps_url": "https://maps.apple.com/?q=40.734834,-73.989782"
53	}
54	},
55	"account_holder_id": "35b927b6-6fda-40aa-93b8-95b47c2b2cad"
56	}
57	]
58	}