Merchant pages

Every merchant in keel has its own page. Tap a merchant name almost anywhere — a transaction, a category page, Settings → Merchant rules — and you get the full picture: what you spend with them, how often, what's changed, and how keel categorises them.

The page answers a question the transaction list can't: "what's my relationship with this merchant, really?"

How it works

The numbers and your rhythm

The top of the page shows this month's spend against your 3-month average, with arrows to step back through previous months.

Where the pattern is clear, keel describes your rhythm in a sentence:

• A subscription-shaped merchant: "Monthly · £14.99 · unchanged 8 months"
• A retailer you visit regularly: "You shop here weekly, around £72 a visit."
• A pattern keel is less sure of: "Roughly weekly, £40–£90 per visit."

If the pattern isn't clear enough to make an honest claim, keel says nothing rather than guessing. The sentence needs at least two visits and a recognisable cadence; merchants you've barely used get simple, honest prose instead ("First visit so far", "Only two visits in the last 12 months").

Where this merchant accounts for a meaningful share of a category, a quiet line adds context: "38% of your Shopping spend this month". It only appears at 5% or more.

How keel categorises this

A dedicated panel shows the merchant's categorisation over the last 12 months:

• The rule — the category keel applies to new transactions, with a badge showing where it came from: "You confirmed" (you set or confirmed it) or "Auto-tagged" (keel learned it from confident AI categorisation). "Change category" updates the rule for future imports.
• Category history — every category this merchant's transactions have landed in, with counts and totals.

If the merchant has strayed across categories, keel prompts you to tidy up: when one category clearly dominates (90%+ of transactions), a one-tap "Move N transactions to {category}" consolidates the strays. For more even splits, "Pick one category" opens a picker showing just the categories the merchant already appears in, so you're choosing between real candidates rather than scrolling the full list.

Spending trend

A 6-month chart shows your monthly spend with this merchant. The chart is honest about missing data: if some of your accounts haven't been imported through a given month, the line breaks rather than dipping to zero, an amber dot marks the last fully-covered month, and hovering an uncovered month says "Not yet synced" instead of showing £0. The caption spells it out — gaps mean some accounts haven't synced yet, not that you spent nothing.

Recent transactions

The latest 10 transactions from this merchant, with a "See all" link into the full transaction list.

Rename and merge

The pencil next to the merchant's name renames it everywhere — useful for bank-feed names like "AMZN MKTP". "Merge with another merchant" combines duplicates ("Woodcroft Vets" and "Woodcroft Vet Group WD") under one name. Both are covered in detail in How keel learns your merchants.

Good to know

• The cadence sentence and category history use a 12-month window; the trend chart shows 6 months.
• Some "merchants" aren't really merchants — interest charges and account fees are facts about an account, not a shop you pay. keel routes those to the account or category page instead, where they're split per account.
• The rhythm sentence describes what is — it never tells you what to do about it.

FAQ

Why doesn't my merchant show a rhythm sentence? keel only makes the claim when it's confident: at least two visits and a recognisable weekly, monthly, quarterly or annual pattern. Irregular merchants get the numbers without the sentence.

The trend chart ends with an amber dot and then nothing. Why? The dot marks the last month keel has full data for. Later months show as gaps rather than £0 — missing data isn't the same as spending nothing. Import the latest statements to extend the line.

What's the difference between "You confirmed" and "Auto-tagged"? "You confirmed" means you set or confirmed the category yourself — keel treats it as settled. "Auto-tagged" means keel learned it from its own confident categorisation; your correction always overrides it.

A merchant appears in three categories. Which fix do I use? If one category dominates, use the one-tap consolidate. Otherwise "Pick one category" lets you choose between the categories it already appears in. Either way, the rule updates so future imports land in one place.