curl --request POST \
  --url https://api.malvo.io/categorization \
  --header 'Content-Type: application/json' \
  --header 'X-API-KEY: <api-key>' \
  --data '
{
  "transactions": [
    {
      "id": "tx-001",
      "amount": -89.9,
      "date": "2026-04-12",
      "description": "PAGTO PIX MERCADO PAO",
      "accountType": "CHECKING_ACCOUNT",
      "isBusinessAccount": false,
      "paymentData": {
        "payer": {
          "document": "12345678900"
        },
        "receiver": {
          "document": "11222333000181"
        }
      },
      "creditCardMcc": 5411
    }
  ]
}
'

const options = {
  method: 'POST',
  headers: {'X-API-KEY': '<api-key>', 'Content-Type': 'application/json'},
  body: JSON.stringify({
    transactions: [
      {
        id: 'tx-001',
        amount: -89.9,
        date: '2026-04-12',
        description: 'PAGTO PIX MERCADO PAO',
        accountType: 'CHECKING_ACCOUNT',
        isBusinessAccount: false,
        paymentData: {payer: {document: '12345678900'}, receiver: {document: '11222333000181'}},
        creditCardMcc: 5411
      }
    ]
  })
};

fetch('https://api.malvo.io/categorization', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

import requests

url = "https://api.malvo.io/categorization"

payload = { "transactions": [
        {
            "id": "tx-001",
            "amount": -89.9,
            "date": "2026-04-12",
            "description": "PAGTO PIX MERCADO PAO",
            "accountType": "CHECKING_ACCOUNT",
            "isBusinessAccount": False,
            "paymentData": {
                "payer": { "document": "12345678900" },
                "receiver": { "document": "11222333000181" }
            },
            "creditCardMcc": 5411
        }
    ] }
headers = {
    "X-API-KEY": "<api-key>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://api.malvo.io/categorization",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'transactions' => [
        [
                'id' => 'tx-001',
                'amount' => -89.9,
                'date' => '2026-04-12',
                'description' => 'PAGTO PIX MERCADO PAO',
                'accountType' => 'CHECKING_ACCOUNT',
                'isBusinessAccount' => false,
                'paymentData' => [
                                'payer' => [
                                                                'document' => '12345678900'
                                ],
                                'receiver' => [
                                                                'document' => '11222333000181'
                                ]
                ],
                'creditCardMcc' => 5411
        ]
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Content-Type: application/json",
    "X-API-KEY: <api-key>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

{
  "results": [
    {
      "id": "tx-001",
      "amount": -89.9,
      "date": "2026-04-12",
      "description": "Mercado Pão",
      "type": "DEBIT",
      "merchant": {
        "name": "Mercado Pão",
        "businessName": "Mercado Pão Ltda",
        "cnpj": "11.222.333/0001-81"
      },
      "category": "Eating out"
    }
  ]
}

{
  "code": 500,
  "codeDescription": "INTERNAL_SERVER_ERROR",
  "message": "Internal Server Error"
}

{
  "code": 500,
  "codeDescription": "INTERNAL_SERVER_ERROR",
  "message": "Internal Server Error"
}

{
  "code": 500,
  "codeDescription": "INTERNAL_SERVER_ERROR",
  "message": "Internal Server Error"
}

{
  "code": 500,
  "codeDescription": "INTERNAL_SERVER_ERROR",
  "message": "Internal Server Error"
}