No hold music. No fine print. No games.
Breakwater connects to your bank, detects every recurring charge, and issues a merchant-locked virtual card for each one. No cancellation flows. No phone calls. No dark patterns.
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 tap — and stays one tap.
Do the tedious part once. Keep the control for good.
Updating every merchant. Calling customer service. Tracking down which subscription bills which card. Breakwater changes the funding source under your virtual cards in one toggle — every merchant keeps charging the same card number. Nothing breaks. Nothing lapses. You just have a new bank.
We're onboarding the first 100 users in Canada.