Breakwater connects to your bank, detects every recurring charge, and gives each one its own merchant-locked virtual card. Cancel with one click. Switch banks without updating a single payment.
Link your account through Plaid. Breakwater syncs your transactions and detects every recurring charge using rule-based pattern matching.
Each subscription gets its own merchant-locked virtual card with a spending cap. The AI proposes which cards to create — you approve.
Want to cancel? Freeze the card. The charge declines. The service stops. No cancellation flows, no phone calls, no dark patterns.
Subscriptions on virtual cards migrate automatically — the card number stays the same, only the funding source changes.
Each virtual card is locked to one merchant. No surprise charges from anyone else.
Set a maximum per card. If a subscription raises its price, the card blocks it automatically.
The AI analyzes your spending and surfaces trends, anomalies, and opportunities. It proposes — you decide.
Switch your funding source once. Every virtual card re-routes instantly. Merchants never know you changed banks.
Your subscriptions live on Breakwater virtual cards. Change the funding source once and everything moves with you. Subscriptions carry on. Banks carry a grudge.