# Real-time card data from any card, any issuer

Connect your platform directly to card networks. Employees enroll any card — personal, corporate, any issuer — and structured transaction data flows to your platform at authorization. No bank connections. No screen scraping. No re-authentication.

## See the data flow in real time

Watch real-time card transactions stream through the Astrada API — with 10+ standard fields delivered at authorization, then settled amounts when clearing completes.

### Live Transaction Feed

- **Merchant:** Blue Bottle Coffee  
- **Amount:** $7.50  
- **Cardholder:** Sarah Kim · Personal-4321 VISA  
- **Descriptor:** "Blue Bottle Coffee"  
- **Transaction Hold Amount:** 7.50  
- **Transaction Currency:** "USD"  
- **MCC:** "5814"  
- **City:** "San Francisco, CA"  
- **Network:** "VISA"  
- **Status:** "PENDING"

## Transaction data at the moment of purchase

Bank feeds deliver data 24–48 hours late. Astrada's Realtime Feeds deliver structured transaction data at authorization — the moment the card is used. This isn't a faster version of bank feeds. It's architecturally different: data comes directly from card networks, not aggregated from bank accounts.

### Data at authorization

- **Real-time data at authorization** (moment of swipe)  
- 10+ standard fields per transaction  
- Full transaction lifecycle tracking (auth → clearing → settlement)  
- MCC, merchant name, terminal ID, acquirer ID, geolocation  
- Persistent connection — no re-auth, no breakage  
- Corporate card support with cardholder granularity

### Clearing Feeds

The smart onramp — Same 10+ structured fields, same persistent connections — delivered at clearing instead of authorization. Start here for immediate data quality improvements, then upgrade to Realtime with a config change when you're ready.

## 10+ standard fields per transaction

Every transaction arrives structured and normalized. No ML cleanup. No merchant name guessing. Data quality from the source.

### What you get from Astrada

Every field is sourced directly from the card network — structured, normalized, and ready for your platform to act on.

- **Amount**: Transaction and billing amounts with currencies  
- **MCC**: Merchant category code  
- **Merchant**: Normalized merchant name  
- **Terminal ID**: Point-of-sale terminal identifier  
- **Acquirer ID**: Acquiring bank identifier  
- **Geolocation**: City, state, country of transaction  
- **Currencies**: Local + billing currency pair  
- **Status**: Pending, settled, voided, declined

### Sample webhook payload  
```json
{
  "transactionId": "txn_8f2k...",
  "status": "SETTLED",
  "amount": {
    "transaction": 38.00,
    "transactionCurrency": "USD",
    "billing": 38.00,
    "billingCurrency": "USD"
  },
  "merchant": {
    "name": "Uber",
    "mcc": "4121",
    "city": "San Francisco",
    "state": "CA",
    "country": "US"
  },
  "terminalId": "TID-29481",
  "acquirerId": "ACQ-00412",
  "network": "VISA",
  "cardLast4": "4242",
  "timestamp": "2026-02-14T..."
}
```

## The Solution

Real-time card data from Visa and Mastercard, through a single API. Astrada replaces the entire bank feed pipeline — the SFTP servers, the file format mapping, the per-provider PCI configuration — with a single integration that delivers Visa and Mastercard transaction data at authorization.

### Data at auth, not settlement

Both currencies + FX rate as structured fields. Deterministic category — no ML needed. Geolocation at the transaction level.

## BYOC Enrollment

### Any card, enrolled in seconds

Employees enroll existing cards through a simple widget embedded in your platform. No new card to issue, no bank account to link, no credentials to store.

### Single enrollment

Employee enters card details through your embedded widget. One card, one-time process, data flows immediately.

### Batch enrollment

Enroll corporate card programs in bulk. Upload a file of card numbers and enroll an entire team or company at once.

### Persistent connection

Once enrolled, the connection is permanent. No password resets, no MFA interrupts, no bank API changes. It just works.

## Network Coverage

Astrada connects to card networks independently, with market coverage expanding. Additional network coverage available on request.

- **Visa**: Realtime and Clearing feeds. Coverage across US, Canada, UK, and select European markets.
- **Mastercard**: Realtime and Clearing feeds. Coverage across US, Canada, UK, and Europe with additional markets expanding.
- **American Express**: Clearing feeds. Coverage across US, Canada, UK, and select European markets.

## Market Availability

Live across major markets with coverage expanding. Specific market availability varies by network.

- **US**: Live
- **Canada**: Live
- **UK**: Live
- **Europe**: Live
- **APAC**: Expanding

## Security & Compliance

Enterprise-grade from day one.

- **PCI DSS v4**: Level 1 Certified
- **256-bit**: Encryption at rest & in transit
- **99.9%**: Uptime SLA

## See what real-time card data looks like in your platform
Most design partners are live within weeks. Start with Clearing Feeds for immediate value — upgrade to Realtime when you're ready.