Card Issuer Support
Reduce disputes. Meet mandates. Win primacy.
Transform cryptic transactions into clarity. Give cardholders control over subscriptions. Stay compliant with Visa and Mastercard requirements.
Trusted by leading card issuers
The dispute crisis is growing
As e-commerce and subscriptions grow, so do chargebacks. The root cause is often simple: customers don't recognize their own purchases.
€100B+
Global chargebacks annually
And growing with e-commerce expansion
€3.60
Cost per €1 disputed
Processing, investigation, and resolution
12+
Subscriptions per consumer
Often without a clear overview
Why customers dispute legitimate charges
Cryptic merchant descriptions lead to unnecessary support calls, card freezes, and disputed charges. When customers can't recognize a transaction, they assume fraud, even when the charge is legitimate.
Transaction confusion
Unrecognized legitimate purchases trigger "friendly fraud"
Subscription surprises
Forgotten trials, price changes, and unexpected renewals
No easy resolution
Customers call the bank instead of the merchant
The result
Card freezes
Customers block their own cards unnecessarily
Support overload
Call centers flooded with "what is this charge?" queries
Lost revenue
Chargebacks, processing costs, and lost card usage
Network mandates are here
Visa and Mastercard have responded with clear requirements. Compliance isn't optional.
In Effect
Mastercard AN 4569
European issuers must display enhanced merchant data: name, location, contact details, and logo.
Effective October 2023
Coming Soon
Visa Core Rules §7.9.2
European issuers must offer subscription management (view, cancel, pause) in digital banking.
Effective April 2026
Coming
Visa Core Rules §7.4.15
Detailed merchant information display requirements aligned with Mastercard standards.
Effective January 2027
Two solutions. One integration.
Address the root causes of disputes and meet compliance requirements with a single platform.
Merchant Information
Transform cryptic transaction data into clear, understandable information so customers can instantly see where money went.
250M+
Points of interest
99%+
Accuracy
500+
Categories
30-50%
Fewer support queries
- Clean merchant names
- Logos & categories
- Location & maps
- Contact details
Subscription Management
Give customers full control over recurring payments so they can find, track, cancel, and pause subscriptions directly in your app.
150K+
Merchants covered
25%
Fewer support calls
1.4x
Card primacy lift
+11
NPS improvement
- Full subscription overview
- Cancel, pause & resubscribe
- Proactive alerts
- Price change notifications
Measurable impact
Card issuers using Subaio see real results across operations, compliance, and customer experience.
30-50%
Fewer support queries
Transaction-related calls drop significantly
10%
Increase in card spend
Customers trust and use their card more
40-70%
Feature adoption
Proven user engagement rates
60-90
Days to go live
Fast implementation timeline
Deploy your way
Standalone solutions for quick deployment or APIs for deep integration into your card management systems.
Standalone
White-label ready solutions that get you compliant quickly. Full functionality out of the box.
- 60-90 day implementation
- Managed updates
- Your branding
API integration
Full API access for tight integration into your card management and mobile banking systems.
- RESTful APIs
- Embed in existing UX
- Full control
Hybrid
Start standalone, then integrate deeper over time. Get to market fast without sacrificing long-term flexibility.
- Fast initial launch
- Progressive integration
- Best of both worlds
Beyond dispute prevention
The same data foundation powers broader card issuer needs: fraud detection, spending insights, travel notifications, sustainability tracking, and financial guidance. One integration opens multiple use cases.
Same data. Same integration. Expanding value.
Related solutions
Explore how Subaio addresses other business challenges.
Ready to reduce disputes and meet mandates?
See how Subaio helps card issuers reduce support costs, increase card usage, and stay compliant with Visa and Mastercard requirements.