Transaction DATA enrichment API

Own Recurring Payments.
Own Primary Bank status

Are clients leaving for fintechs? Up to 50% of transactions on fintech apps are recurring payments. Secure your primary bank status by implementing clear recurring payment controls and stop this churn.

As an incumbent bank, you have a key advantage: customers have their salaries paid into your accounts and use them to manage their regular bills. If you also provide clear visibility and control over all recurring payments, you create an advantage that fintechs cannot replicate.

What Mastering Recurring Payments Unlocks

Tapix as a data layer helps elevate the payment experience to the level of excellence customers expect from global digital innovators such as Revolut or Monzo.

Grow Revenue and Liquidity

Increase deposit stability and transaction income by encouraging customers to maintain balances for upcoming automatic charges while reinforcing recurring card usage.

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Secure Primary Account Status

Create a single place to manage recurring commitments, increase daily engagement, and strengthen top-of-wallet behavior.

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Build Trust and Financial Confidence

Deliver transparency and control over subscriptions to reduce surprises, improve satisfaction, and lower churn to digital-first competitors.

Unlock Monetisation and Intelligence

Leverage structured recurring payment behaviour to gain a complete view of the customer, enabling targeted cross-sell, advanced segmentation, and predictive analytics.

Turn Recurring Payments into Strategic Advantage

Tapix provides transaction enrichment and recurring payment intelligence that enable banks detect, manage and monetize recurring payments.

Establish Transparent Recurring Control

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Provide a single, consolidated view of all recurring payments.
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Detect subscription count changes and price increases early.
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Replace confusion with structured, explainable recurring data.

Protect Revenue and Strengthen Primacy

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Reduce preventable declines and associated scheme charges.
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Increase deposit stability by aligning balances with upcoming renewals.
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Reinforce top-of-wallet behavior through stable recurring flows.

Enable Predictive Financial Intelligence

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Anticipate renewals and forecast recurring cash-flow impact.
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Identify emerging spending trends before they escalate into disputes.
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Strengthen segmentation, credit assessment, and risk models with structured recurring insight.

The Data Standard for Recurring Payments

Most banks rely on card-network subscription tags. But those miss the majority of recurring payments.
Tapix provides transaction-level intelligence into recurring payments.

Criteria
Scheme solutions
Card-network metadata
Tapix
Enterpise Data Standard
Recurring payment visibility
Scheme solutions
Limited to card-network subscriptions
Tapix
Tracks all recurring payments across cards, transfers, and open banking
Recurring detection logic
Scheme solutions
Merchant name matching
Tapix
Uses behavioral patterns and merchant data for precise detection
Level of identification
Scheme solutions
Merchant-level tagging only
Tapix
Transaction-level insights for granular analysis
Subscription Lifecycle Tracking
Scheme solutions
Requires manual processing of raw data
Tapix
Automatically tracks starts, renewals, and churn in real time.
Data outputs
Scheme solutions
Subscription tag
Tapix
Automatic charging, Next billing date, Payment frequency, Next billing amount, Constant amount
Data accuracy
Scheme solutions
≈90-95%
Tapix
99.99% validated in PoC across millions of 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

Make Recurring Intelligence a Strategic Priority

Strengthen primacy, protect revenue, and elevate customer trust through structured recurring payment intelligence.

mobile banking app before and after transaction data enrichment

Be a step ahead

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.
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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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...