For fintechs - Subscription management
Your app's relevance starts with recurring payments
Tapix enables fintechs to turn raw transaction streams into structured recurring payment intelligence with merchant identification, billing pattern detection and compliance-ready data.
Invisible charges push customers away: they cannot tell which payments renew, when, or how much. So they get surprise charges and move to apps that show them clearly.
Failed payments cost real money: around 40% of declines come from forgotten recurring charges. Each one triggers a card scheme fee, even when no money moves.
Low engagement leads to low ratings. A narrow feature set and unreadable transactions drive poor App Store reviews, making user acquisition harder.
From a flat balance to the full recurring picture
A flat monthly balance hides how much is really tied up in recurring payments. Tapix breaks it open, surfacing card subscriptions, pattern-based transactions, standing orders, and direct debits, so you and your customers see the true commitment behind every payment.
Turn Recurring Payments into Strategic Advantage
Tapix Recurring Payment Intelligence identifies and classifies every recurring transaction – subscriptions, direct debits, instalments, and standing orders – with pattern detection and continuously validated data.
Establish Transparent Recurring Control
Pattern recognition gives you a complete, accurate view of what's truly recurring, not just the obvious subscriptions. You see what each customer is really committed to.
Protect Revenue and Strengthen Primacy
Knowing each renewal's date, amount, frequency, and whether it's automatic lets you act before a payment fails. Fewer declines, steadier deposits, and customers who keep you first.
Enable Predictive Financial Intelligence
Recurring patterns make what's coming predictable. Act early, whether that's a payment about to fail or a subscription worth flagging.
Features are only as good as the data
Consistent, high-quality transaction data enables building a clear, scalable customer experiences across markets at production scale with:
What recurring payments clarity 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.
Differ from competitors
Clear merchant insights enable your team to build payment experiences customers understand, with quality data competitors don't have.
Boost mobile app engagement
Give users a reason to open the app every day with clear transactions and smart features built on consistent data.
Build features customers adopt
Build high-value features on structured payment data. Clear merchant identity, accurate categorisation, and exact location for every payment.
Higher app store ratings
Clarity builds emotional connection. Every clear transaction is a small moment of trust that compounds over time.
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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.
Ali Niknam
Founder & CEO at bunq
Recurring payment detection FAQ
Frequently asked questions about how Tapix detects subscriptions, direct debits and recurring payments from transaction data.
Most solutions stop at digital subscriptions like streaming and SaaS. Tapix Recurring Payment Intelligence also covers utilities, insurance, rent and mortgage, loan repayments, standing orders, direct debits and transport passes. These non-digital payments are often the largest recurring outflows a customer has. Surfacing all of them is what keeps an app relevant and engagement high.
A merchant tag tells you a charge came from a subscription provider. It does not tell you the frequency, the next billing date, the expected amount, or whether the charge renews automatically. Without that, you cannot warn customers about upcoming charges, prevent declines from a low balance, or flag price increases. Tapix delivers predictive, transaction-level data, which is what powers the features users notice.
Visa's solution only sees Visa-processed transactions. It misses Mastercard, bank transfers, direct debits and open banking data, which for most fintechs leaves more than half of recurring outflows invisible. It is also backward-looking: last transaction date and amount, not the next billing date or expected charge that proactive alerts and decline prevention depend on. Tapix Recurring Payment Intelligence covers every payment type through one API extension, with no single-network blind spot.
Tapix is an intelligence layer, not a payment control system. It identifies which payments are recurring and delivers the data your systems need; detection is the hard part. Blocking itself happens at the processor or card-management level. Clients combine Tapix data with processor-level blocking to meet the Visa mandate.
We track data changes and through APIs, clients can easily see which data needs to be refreshed and modified. The client retrieves the updated data through the API and replaces or removes the old data
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.