Subscription & Merchant Management
User Story
As someone juggling multiple subscriptions who occasionally loses track of what’s being charged, I want a single page that lists all merchants and recurring charges, so that I can spot forgotten subscriptions and stop future payments from providers I no longer use.
What This Does
A dedicated view that surfaces all the places that regularly take money from your accounts — so you’re never surprised by a charge you forgot about. From there, you can block future payments to any provider with one tap.
Functional Requirements
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View a full list of all detected subscriptions and the merchants behind them
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Block future payments to any specific provider or subscription
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The app will display a clear notice that subscription detection has limits — a merchant like PlayStation Store may appear as both a subscription charge and a one-time purchase, and the system may not always distinguish between the two
Implementation Notes
Accurate subscription detection depends heavily on merchants providing well-structured transaction data. This is an industry-wide limitation, not specific to Neo.
Alternative approach — Virtual Subscription Card: A dedicated virtual card for subscriptions that operates as a soft-prepaid card. The user sets a spending cap, and funds are drawn from a linked account (checking or credit). The main UX challenge: people forget to top up prepaid cards. This would require either automated scheduled transfers or proactive low-balance notifications well ahead of billing dates.
Do you currently track your subscriptions manually? Would a one-tap block be enough, or would you have some other ideas?