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.

icon check
Card transactions
icon check
Bank transfers
icon check
QR payments
icon check
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.

icon check
Monthly, quarterly, Annual frequency
icon check
Detection of price increase
icon check
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:

icon check
Recurring
icon check
Instalment
icon check
Unscheduled credential-on-file
transactions

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
Enterprise 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.

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

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.

Before and after comparison of mobile banking app with Tapix transaction data enrichment