for banks - clear transaction history
Dispute prevention starts with transaction clarity
Tapix turns raw transaction data into payments your customers recognise instantly, so fewer questions turn into disputes.
What transaction confusion costs you
Up to 70% of card disputes are friendly fraud (FIS Global Report). Mostly transaction confusion, not theft. You still pay the chargeback.
A dispute is the most expensive way to answer "what was this?" Honest confusion or intentional dispute misuse, you cover the inquiry, the call, the refund.
Rising dispute ratios put more than margin at risk. Card networks read preventable chargebacks as a risk signal, and your scheme standing pays for it.
From "I don't recognise this" to "that was me"
Whatever the source - card, A2A, QR, or open banking - Tapix enriches every payment into a single, clear, recognisable record: the real merchant, category, location and purchase context.
Turn payment clarity into strategic advantage
Send a raw transaction, get back the correct merchant, logo, category, location, and more in real time, all from continuously updated data. One call, ready to build on
Identify hidden merchant
Close the subscription gap
Add transaction context
Protect your scheme standing
Unmask the real merchant, even behind a gateway
Gateway and aggregator descriptors like "PAYPAL *" are one of the biggest sources of unrecognised-transaction disputes. Tapix sees through them to the business the customer actually paid.
Close the subscription-dispute gap
Around 30% of disputes start with a subscription the customer forgot or failed to recognise. Recurring Payments Intelligence™ identifies the recurring charge and its next billing date, so it is expected or cancelled, not disputed.
Answer the customer in-app, before they call
When the app already shows what a payment was and who to contact, most customers never call the bank and never file.
Prevent before the schemes charge
Scheme deflection programmes intercept disputes after an inquiry is raised and bill per interaction, often alongside a refund. Enrichment works earlier and on the whole feed, so many inquiries never reach that stage.
What prevention unlocks?
Tapix helps elevate the transaction experience to the same level of excellence customers expect from Europe's digital leaders such as Revolut or bunq.
Disputes that never start
Accurate merchant identification turns confusion into recognition, cutting friendly-fraud chargebacks before they are filed.
Costs that stay down
Every avoided inquiry is a call, an alert fee and a chargeback fee you do not pay. Prevention is the cheapest layer in the dispute stack.
Experiences that build loyalty
Consistent, high-quality transaction data gives every customer the same clear experience.
Ratios that hold
Fewer preventable chargebacks protect your standing in scheme monitoring programmes, quarter after quarter.
Built for Enterprise Architecture Teams
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Tapix operates as a structured data enrichement layer delivered via secure API integration. Review the detection logic, data attributes, integration patterns, and security approach in the technical overview.
Péter Vouszka
Head of Digital Banking at OTP Bank
Transaction enrichment FAQ
Frequently asked questions about how Tapix identifies the real merchant, store location or payment gateway behind a card transaction.
Yes. When sufficient transaction signals are available, Tapix can identify the specific store location rather than only the merchant brand. For example, a purchase inside a shopping mall can be linked to the individual retailer instead of being shown as the mall itself or a head-office address.
Yes. Tapix recognises sub-brands and different retail formats. For example, Uber and Uber Eats can be identified separately instead of appearing under one generic merchant name.
Tapix returns correct merchant hidden behind gateway. We recognise 65+ payment gateways and methods, Traditional gateways and platforms such as Stripe or Paddle, BNPL providers like Klarna, Mollie or Zilch, Digital wallets like PayPal, Amazon Pay, Alipay or Wallet One Even PoS payment systems like Zettle.
Logos are delivered in high-resolution, standardised 512 × 512 formats optimised for mobile banking and fintech apps. They are visually refined for both circular and square displays to ensure a consistent user experience. Every logo is reviewed by a human team and updated to reflect merchant rebrandings.
Depending on the use case, Tapix provides a clean merchant name, logo, category, store location, website, phone number, Google Places ID, payment gateway information, recurring-payment insights and carbon estimates. Banks decide which data points to surface to customers based on their use case.
See Tapix in action
30-minute walkthrough with a live demo tailored to your business model and transaction data. See how Tapix turns raw payment records into real inputs using sample data that reflects your real-world scenarios.