tapix recurring payments intelligence

Identify, track and control every recurring payment

Turn raw transaction streams into structured recurring payment intelligence. With merchant identification, billing pattern detection and compliance-ready data.

Meet the Datapoints

Merchant logo
merchant logo icon
shop icon
Merchant name
Category
category icon
Automatic charging
Payment frequency
Next billing date
Constant amount
Next billing amount

Recurring payments are a pattern. Not a payment type

Track all periodic transactions

Tapix API enhances inputs from all transaction data sources and detects recurrence from real transaction behaviour.

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Card transactions
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Bank transfers
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QR payments
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Open banking data & PSD2

Transaction level identification

Tapix uses its depth of information enrichment and identifies payments down to the level of individual transactions.

This allows us to distinguish between payments at merchants that allow both subscriptions and one-off payments.

Ready for predictive analytics

Tapix goes beyond technical identifiers obtained from the scheme which leads to more accurate prediction while more merchants are covered.

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Monthly, quarterly, Annual frequency
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Detection of price increase
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Detection of next transaction value

In compliance with Visa requirements

To further drive digitization of the cardholder experience, issuers incertain Europe markets will be required to support subscription management functions effective 18 April 2026. Tapix is ready to identify:

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Recurring
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Instalment
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Unscheduled credential-on-file
transactions

Built for Enterprise Architecture Teams

Tapix Recurring Payment Intelligence operates as a structured data layer delivered via secure API integration. Review the detection logic, data attributes, integration patterns, and security approach in the technical overview.

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API-based
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No core banking changes required
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Works on top of existing transaction feeds
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Deploy in months, not years

FAQs

Bring more value to your users through enriched payment data

How can I try Tapix out?

There are many methods available for you to see if Tapix is the right service for you. The simplest way to see how Tapix works is by sending us a csv file with several hundred sample transactions which we will send back to you with the enriched data. You also can head to sandbox and try out Tapix yourself and call the API using your own credentials. If you have any troubles, please contact us at support@tapix.io and we will check whether the input data are formatted correctly. If you want to learn more about Tapix or try it out, please do not hesitate to contact us.

How do you ensure data quality?

Tapix uses multiple controls based on statistics, outlier detection and various algorithms to provide you with the best data quality possible. Data quality is supervised by our data team to prevent any mistakes. Due to the complexity of data quality checks, Tapix receives less than 1 complaint per 6 000 000 processed transactions.

Are our clients data secure?

Through the API you only transfer the terminal identifiers. Tapix fulfills the highest security standards and processes no personal information about your clients. We are ISO 27001 certified and GDPR compliant. Dateio stores and processes data in AWS which fulfills the highest security standards.

Why did Tapix not return the correct shop?

Note that if Tapix returns an “unsolved” shop, it might be due to several reasons. The data provided might not be sufficient to identify the correct shop (e.g., not enough parameters provided), or Tapix might not recognize the shop at this time. Tapix always returns as much information as possible, but some information about the shop or the merchant may still be missing. Note that the quality of the service improves over time, and your data may be resolved in the near future.

Can Tapix provide us with categorization customized to our needs?

Yes, upon request Tapix is able to provide you with tailor-made categorization custom-built to your needs. New tags can also be added to Tapix in order to support specific use cases or help you to provide specific information to your customers according to their demands.

Designed for cross market consistecy

700k
recognized merchants
2 mil
unique shops & locations
69k
unique merchant logos
99.99%
data accuracy
3 ms
API response time
2 bln
monthly enriched
transaction 

98+
active markets
526
Store-level category tags

Be a step ahead

Product insights
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Detection Solutions for Subscriptions: What Accurate Identification Really Requires

Short answer: accurate transaction data. Long answer: accurate transaction data plus the ability to treat different payment behaviours as different problems. That is the core of any true detection solution when it comes to subscriptions. Most banking apps still process transactions as one big, flat stream. But in real life, customers experience spending in three distinct ways...
Product insights
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How Subscription Management, Data, and Recurring Payments Drive Customer Lifetime Value

Subscription management used to be simple. You paid monthly for entertainment, maybe a gym membership, and that was the end of it. Now it’s everything. You don’t stick with a bank because the logo feels comforting or the branch is on your street. You stick because the bank becomes the default place where your financial routine works. Salary comes in. The same bills go out. The same services are renewed. After a month, your account turns into a quiet system that runs your life in the background.
Product insights
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Recurring Payments in Digital Banking: How to Go From Chaos to Clarity

The more digital we become, the more online services, subscriptions and recurring payments we need to keep track of, as they become integral part of our daily lives. From streaming platforms and cloud storages to monthly fitness memberships and car payments, these automated transactions offer convenience, but at the price. Without accurate transaction data presented in a user-friendly way, managing them becomes a financial challenge - both for consumers and banking institutions.

Switch to Tapix today!

Explore how Tapix can help you get the most from transaction data, increase your app engagement and turn UX into your competitive advantage.

mobile banking app before and after transaction data enrichment