Systems and methods for providing business ratings

A computer-implemented method for determining a business rating, the method comprising:

• accessing, by one or more processors, spending transaction data, the spending transaction data comprising:
• a unique payor identifier,
• a payee description,
• a payee category code, and
• a postal code;
• determining, by the one or more processors, a payee identification for the spending transaction data by comparing the spending transaction data to a plurality of known payees having the same payee category code as the spending transaction data;
• accessing, by the one or more processors, one or more historical spending transactions matching the payee category code;
• and
• generating, by the one or more processors, a business rating score for a payee associated with the determined payee identification, the business rating score being based at least in part on the determined one or more historical spending transactions.

A non-transitory computer readable medium storing instructions that, when executed by one or more processors, causes the one or more processors to perform operations comprising:

• accessing spending transaction data, the spending transaction data comprising:
• a unique payor identifier,
• a payee description,
• a payee category code, and
• a postal code;
• determining a payee identification for the spending transaction data by comparing the spending transaction data to a plurality of known payees having the same payee category code as the spending transaction data;
• accessing one or more historical spending transactions matching the payee category code;
• and
• generating a business rating score for a payee associated with the determined payee identification, the business rating score being based at least in part on the determined one or more historical spending transactions.