: Uses specific characters like the pipe symbol (|) or commas as delimiters to separate different pieces of information on a single line. Interesting Capabilities

: Captures the Merchant Description or name, often alongside a Merchant Category Code (MCC) which identifies the type of business (e.g., grocery, entertainment).

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: These files allow businesses to reduce operational overhead by automatically syncing card spend with accounting software.

: Includes the unique Transaction ID , Date , and Amount .

: Some advanced formats include "Level 3" data, which provides full line-item details of a purchase rather than just a total summary.

: Structured transaction data can be analyzed by AI-powered systems to identify suspicious patterns in real-time, such as anomalies in transaction location or amount.

: Typically includes the Cardholder Name and sometimes an anonymized or hashed Credit Card Number .