--- title: "GET /consumer-spending/eu/v1/merchant-aggregates" method: GET path: "/consumer-spending/eu/v1/merchant-aggregates" tags: ["fable"] --- # GET /consumer-spending/eu/v1/merchant-aggregates `GET /consumer-spending/eu/v1/merchant-aggregates` Aggregated consumer transactions from European credit card panels, structured for flexible analysis and faster access to insights. Each row represents daily credit card, debit card, or open banking transactions (7-day lag from transaction date) at a tagged merchant or payment processor, split across Currency, Country, Online/Offline, and Credit/Debit dimensions. Includes ticker (Bloomberg standard) and industry mapping for ~250 US public companies across 6 European countries (UK, DE, FR, IT, ES, AT). Open banking data achieves >85% fill rate at 7 days. User counts provided across 8 and 28-day windows enable custom normalization. NOTE: Individual accounts have a 30-day minimum lag from transaction_date for licensing compliance. Data returned reflects the latest available values, including any corrections from the data provider. ## Query parameters - `transaction_date` string - `transaction_date.gt` string - `transaction_date.gte` string - `transaction_date.lt` string - `transaction_date.lte` string - `name` string - `name.any_of` string - `name.gt` string - `name.gte` string - `name.lt` string - `name.lte` string - `user_country` 'UK' | 'DE' | 'FR' | 'ES' | 'IT' | 'AT' | 'unknown' - `user_country.any_of` 'UK' | 'DE' | 'FR' | 'ES' | 'IT' | 'AT' | 'unknown' - `channel` 'online' | 'offline' | 'bnpl' - `channel.any_of` 'online' | 'offline' | 'bnpl' - `consumer_type` 'consumer_credit' | 'consumer_debit' | 'open_banking' - `consumer_type.any_of` 'consumer_credit' | 'consumer_debit' | 'open_banking' - `parent_name` string - `parent_name.any_of` string - `parent_name.gt` string - `parent_name.gte` string - `parent_name.lt` string - `parent_name.lte` string - `limit` integer - `sort` string ## Response `200` A list of results. - object - `next_url` string — If present, this value can be used to fetch the next page. - `request_id` string, required — A request id assigned by the server. - `results` object[], required — The results for this request. - `channel` string — Transaction channel. Possible values: online, offline, bnpl (buy now pay later platforms such as Scala, Klarna, Zilch). - `consumer_type` string — The panel the account is sourced from. Possible values: consumer_credit, consumer_debit, open_banking. - `eight_day_rolling_category_accounts` integer — The count of unique consumer accounts active for a given country, consumer type, and that transacted in this merchant category (MCC Group) over the prior 8 days. Used for short-term normalization calculations (e.g., spend per 1000 panelists = (total_spend / eight_day_rolling_category_accounts) * 1000). - `eight_day_rolling_total_accounts` integer — The count of unique consumer accounts active for a given country and consumer type that had any transaction activity (across all categories) over the prior 8 days. Provides a baseline for total panel size. - `mcc_group` string — Merchant category code group associated with the merchant or payment processor. - `merchant_industry` string — Industry name based on GICS/BICS/ICB data classification for the merchant. - `merchant_ticker` string — Stock ticker associated with the merchant (~250 US public companies mapped). Uses Bloomberg tickers and they are point in time. - `name` string — The merchant or entity name for this aggregate (lowercase). When type is 'merchant', this value can be used as the lookup_name in the merchant-hierarchy endpoint to retrieve full corporate hierarchy details. - `parent_name` string — Merchant's parent business name (Title Case). Useful for aggregating transactions across subsidiary brands. Also available in the merchant-hierarchy endpoint for full corporate structure. - `published_date` string, date — The date when this data version was published. For original data, this is approximately 7 days after transaction_date. - `spend_in_distinct_account_key_count` integer — The count of distinct account keys (unique consumer accounts) with inbound transactions. - `spend_in_spend` number, double — The total inbound transaction amount (refunds, returns, credits) in the specified currency for this aggregation. Values are positive, representing money flowing back into consumer accounts. - `spend_in_transaction_count` integer — The count of inbound transactions (refunds, returns). - `spend_out_distinct_account_key_count` integer — The count of distinct account keys (unique consumer accounts) with outbound transactions. - `spend_out_spend` number, double — The total outbound transaction amount (money spent by consumers) in the specified currency for this aggregation. Values are negative, representing money flowing out of consumer accounts. - `spend_out_transaction_count` integer — The count of outbound transactions (purchases, payments). - `total_accounts` integer — The total count of distinct consumer accounts with any transaction activity for this aggregation. - `total_spend` number, double — Sum of spend_out_spend and spend_in_spend. Typically negative (net outflow). A positive value indicates refunds exceeded new spending for this aggregation. - `total_transactions` integer — The total count of all transactions (outbound + inbound). - `transaction_currency` string — ISO currency code for the transaction (base card/account currency). Always EUR or GBP in this dataset. All spend amounts are denominated in this currency. - `transaction_date` string, date — The calendar date when the consumer transactions occurred. - `twenty_eight_day_rolling_category_accounts` integer — The count of unique consumer accounts active for a given country, consumer type, and that transacted in this merchant category (MCC Group) over the prior 28 days. Used for longer-term normalization calculations. - `twenty_eight_day_rolling_total_accounts` integer — The count of unique consumer accounts active for a given country and consumer type that had any transaction activity (across all categories) over the prior 28 days. Provides a longer-term baseline for total panel size. - `type` string — The type of aggregation. Can be 'merchant' or 'payment_processor'. - `user_country` string, required — Country of consumer's residence (ISO codes). Available countries: UK, DE, FR, ES, IT, AT. Values outside these are mapped to 'unknown'. - `status` 'OK', required — The status of this request's response. ## Other responses - `400` — An error message. --- [API](https://skmtc.net/massive/apis/polygon-api.md) · [All operations](https://skmtc.net/massive/apis/polygon-api/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/massive/polygon-api/revisions/ad6f143e43aa/schema)