No hold music. No retention offers. No games.
Breakwater finds your recurring charges and gives each one its own merchant-locked card. Leaving takes one click.
Free for users. Here's why.
Trials convert on the merchant's schedule, not yours. Start each one on its own Breakwater card. Freeze it before the trial ends, and the first charge declines.
No reminders to set. No cancellation flow to find.
When you pay with a Breakwater card, the merchant pays a small fee to the card network, the same as with any card. We earn from that, not from you.
For each subscription, you issue a Breakwater card and update the payment method at the merchant. It's the least interesting part of the product.
Here's the trade: merchants make you fight to leave every time. Breakwater moves that friction to the front and charges it once. After setup, cancelling is one click — and stays one click.
Do the tedious part once. Keep the control for good.
Updating every merchant. Calling customer service. Tracking down which subscription bills which card. Breakwater will let you change the funding source under your virtual cards in one step. Merchants keep charging the same card number. You just have a new bank.
The beta opens to the first 100 users in Canada.