At Klutch, we don’t believe in vague. We believe in clear, complete, and actionable. While most cards just give you a dollar amount and a cryptic merchant name, Klutch shows you the full picture behind every transaction—because you deserve to know exactly what happened, when, where, and how.

Every time you swipe, tap, or pay online, Klutch captures and displays a level of detail that’s typically hidden by banks and other card providers. We pull directly from the ISO 8583 protocol—the same source the payment networks use—and surface nearly every field we can access. This includes:

• Merchant Category Code (MCC)
• Terminal ID and terminal address
• Merchant name, full address, phone number, and website
• Card entry method – chip, swipe, tap, manual entry, or online
• Cardholder presence – was the card physically present at the terminal?
• Tokenization status – whether the transaction was made with Apple Pay, Google Pay, or another wallet
• Transaction routing details – such as acquiring institution and network

All of this is shown clearly in your Klutch transaction view. No more “AMZ*1234” mystery charges. No more confusing merchant descriptors. Just real data you can use.

Why It Matters

This level of transparency isn’t just about satisfying curiosity—it’s about empowerment. When you have all the facts, you can make better financial decisions, identify fraud more quickly, and avoid confusion and dispute delays.

You understand and trust every charge

With clear merchant names, contact info, and terminal locations, you can easily verify if a charge was legitimate. It’s especially helpful when managing family spending, business expenses, or recurring charges.

You can automate based on real data

Klutch’s advanced If/Then Mini-App lets you create smart rules based on these deep data points. For example:

• Lock or decline transactions when the card isn't tokenized (i.e., not Apple Pay)
• Flag transactions where the cardholder was not present
• Categorize spending by MCC automatically
• Alert you when a charge comes from an unknown terminal ID
• Set spending limits by merchant type or region

This transforms Klutch from just a payment method into a financial control system, tailored to how you want your money to move.

Built for Power Users—But Easy for Everyone

We built this data layer to support businesses, finance nerds, security-conscious users, and anyone who wants more control over their finances. But you don’t have to be an expert to use it. Our interface makes it simple to see everything you need at a glance—and if you want to dig deeper, the data is right there.

No other card gives you this level of transparency.

Most cards show you a headline.
Klutch shows you the story.

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