Subscription Management
Control over recurring payments
View, cancel, and pause subscriptions directly in your app. Network compliant. Customer empowering.
Visa mandates subscription management for all European issuers by April 2026. Are you ready?
Subscriptions are out of control
The average customer has 12+ subscriptions. Many are forgotten. When unexpected charges appear, they call you, or worse, dispute them.
Forgotten subscriptions
Free trials convert. Services go unused. Customers don't realize they're paying until they check their statement.
Support overload
"What's this charge?" is the #1 support question. Customers can't recognize subscriptions from cryptic merchant names.
Unnecessary disputes
When customers don't recognize charges, they dispute them. €3.60 cost for every €1 disputed. Merchant relations suffer.
Complete subscription control
Give customers visibility and control over their recurring payments.
Subscription Overview
All recurring payments in one place. Clean merchant names, logos, amounts, and billing cycles. No more mystery charges.
- Auto-detected subscriptions
- Merchant enrichment included
- Monthly cost summary
Cancel Subscriptions
One-tap cancellation directly in your app. We handle the merchant communication. Customers don't need to hunt for cancellation links.
- In-app cancellation
- Merchant integration
- Confirmation tracking
Pause Subscriptions
Not ready to cancel? Let customers pause subscriptions temporarily. Keep the relationship, reduce costs during tight months.
- Temporary pause option
- Auto-resume scheduling
- Where merchants support it
Proactive Alerts
Notify customers before subscriptions charge. Alert on price increases, free trial expirations, and unused services.
- Upcoming payment alerts
- Price change notifications
- Free trial warnings
30-50%
Fewer queries
Support reduction
12+
Avg. subscriptions
Per customer
€200+
Monthly spend
Average per user
1Bn+
Saved
For customers worldwide
Beyond subscriptions
Subscription management isn't just about Netflix and Spotify. Customers have dozens of recurring expenses, utility bills, insurance premiums, gym memberships, loan repayments, childcare fees, and most of them are invisible. They were set up once and then forgotten, silently draining the account month after month.
Subaio identifies all recurring expenses, regardless of type or payment method. Whether it's a streaming service charged to a card or a utility bill paid by direct debit, customers see everything in one place. They understand what they're committed to, what's coming next, and what they can actually afford to spend.
This matters because recurring expenses represent obligations, money that's already spoken for before the month begins. Without visibility into these commitments, customers overestimate their disposable income and banks underestimate their financial exposure. A complete picture of recurring outgoings is essential to understanding what a customer can truly afford, now and in the future.
Every recurring expense, identified
- Streaming, SaaS, and digital subscriptions
- Utility bills, rent, and insurance
- Memberships, loan repayments, and dues
- Card payments and direct debits alike
Safe management, not blind cancellation
Customers are guided through what each expense is, whether it's contractual, and what happens if they cancel. No one accidentally drops their insurance or breaks a fixed-term contract.
True disposable income
When all recurring commitments are visible, customers, and the bank, can see what's actually left to spend. Essential for budgeting, lending decisions, and financial wellbeing.
Network compliance built-in
Meet Visa and Mastercard requirements with our compliant solution.
Visa Requirements
-
§7.9.2 Subscription Management
Customer visibility and control over recurring payments
-
§7.4.15 Transaction Alerts
Proactive notification requirements
Mastercard Requirements
-
AN 4569 Dispute Prevention
Enhanced merchant data for dispute reduction
-
Consumer Clarity
Clear transaction identification standards
A moment of reflection, and opportunity
When customers open their subscription overview, something powerful happens. For the first time, they see all their financial commitments laid out clearly, and they start thinking about their money. This is a rare moment of financial reflection, and it's happening inside your app.
That moment is an opportunity. A customer reviewing their three separate insurance policies is open to consolidation. Someone seeing multiple high-interest loan repayments is ready to hear about refinancing. A user noticing how much they spend on energy is primed for a better deal. The subscription overview creates a natural context for relevant, helpful financial guidance, not intrusive product pushing.
Banks that get the implementation right see extraordinary engagement. The subscription overview becomes a destination, a place customers return to month after month, making it a sustained touchpoint for building deeper relationships and surfacing relevant opportunities at exactly the right time.
Engagement opportunities
- Consumer loan consolidation and refinancing
- Insurance review, replacement, and extension
- Savings and budgeting product recommendations
- Energy and utility switching opportunities
70%+ monthly returning users
In the best implementations, over 70% of users return to their subscription overview every month, making it one of the most visited screens in the entire mobile banking app.
Top 5 mobile banking feature
In our best implementation, the subscription overview has ranked among the top 5 most-used features in the mobile banking app, a clear signal that customers genuinely value this kind of financial visibility.
Deploy your way
Whether you need a turnkey solution or deep integration, subscription management fits your stack.
Standalone
Ready-to-deploy, white-label experiences. Full functionality out of the box with minimal integration effort.
- Quick time-to-market
- White-label ready
- Managed updates
API integration
Full API access for deep integration into your existing systems and user experience.
- RESTful APIs
- Embed in existing UX
- Full control
Hybrid
Mix and match. Use managed journeys where speed matters and API access where you need full control.
- Best of both approaches
- Migrate at your own pace
- Per-feature flexibility
Part of Personal Finance Management
Works alongside
Subscription Management is one of four interconnected Personal Finance Management products, each strengthening the others.
Ready to give customers control?
See how subscription management can reduce support costs and improve customer satisfaction.