Transaction Name Resolution#

Transaction display names are resolved at import time by provider-specific Processor classes, each implementing a name method with its own fallback chain. The resolved name is then stored on Entry#name via Account::ProviderImportAdapter#import_transaction, which calls entry.enrich_attribute(:name, name, source: source) 1 — meaning user edits always win: once a user manually renames a transaction, provider syncs will not overwrite it 2.

Provider Fallback Chains#

Enable Banking (EnableBankingEntry::Processor)#

The most complex resolution. See the name method:

1. Counterparty name — creditor.name / creditor_name for debits; debtor.name / debtor_name for credits 3.
2. Technical card placeholder check — if the counterparty matches /\ACARD-\d+\z/i (e.g. CARD-1234), it is treated as a placeholder and skipped 4.
3. Remittance information (for CARD-* transactions) — some providers (e.g. Wise) put the real merchant label here 5.
4. bank_transaction_code.description 6.
5. Remittance information (general fallback) — first non-blank item from the remittance_information array/string, truncated to 100 chars 7.
6. Direction label — "Incoming Transfer" (CRDT) or "Outgoing Transfer" (DBIT) as a last resort 8.

The same technical_card_counterparty? check is applied when resolving the merchant name: if counterparty is a CARD-* placeholder, remittance_information is used as the merchant candidate instead 9.

Plaid (PlaidEntry::Processor)#

Two-level fallback 10:

1. merchant_name
2. original_description

SimpleFin (SimplefinEntry::Processor)#

Four-level fallback 11:

1. Combined payee - description (when both present and different)
2. payee alone
3. description alone
4. memo, or I18n.t("transactions.unknown_name")

Storage & Enrichment#

Entry#name is a required string column with a case-insensitive index (lower(name)) for efficient search 12. All providers funnel through Account::ProviderImportAdapter#import_transaction, which applies the Enrichable concern to protect user edits. Attributes can be locked; a locked name will not be overwritten by subsequent provider syncs 13.

Key Files#