Merchant recognition

Banks rarely tell you who you actually paid. A coffee at your local café might show up as "POS 4471 REF882931 LX". Bica cleans this up by figuring out the real merchant behind each transaction.

How it works

A background job scans new transactions that don't yet have a recognized merchant, groups similar descriptions together, and asks an AI model to identify the merchant behind each group — this runs every 15 minutes. Once a merchant has been identified with enough confidence, all matching transactions (past and future) are linked to it automatically, so you only need to recognize a merchant once.

Staying accurate

Merchant matches only get applied when the AI is reasonably confident. Low-confidence guesses are left alone rather than risking an incorrect label, so you can trust the merchant names you see in your transaction list.

What's next

Once a transaction has a recognized merchant, it's ready for categorization.