# Feature💡Subscription management and merchant blocking

**URL:** <https://neofinancial.discourse.group/t/feature-subscription-management-and-merchant-blocking/4778>\
**Category:** Building Neo\
**Tags:** feature\
**Created:** [March 22, 2026, 10:00pm UTC](https://neofinancial.discourse.group/t/feature-subscription-management-and-merchant-blocking/4778 "2026-03-22T22:00:44Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![DDmytro](https://avatars.discourse-cdn.com/v4/letter/d/e9c0ed/32.png) [@DDmytro](https://neofinancial.discourse.group/u/DDmytro)\
**Post date:** [March 22, 2026, 10:00pm UTC](https://neofinancial.discourse.group/t/feature-subscription-management-and-merchant-blocking/4778/1 "2026-03-22T22:00:44Z")

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# 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.

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## 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.

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## Functional Requirements

- View a full list of all detected subscriptions and the merchants behind them

- Block future payments to any specific provider or subscription

- 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

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## 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.

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_Do you currently track your subscriptions manually? Would a one-tap block be enough, or would you have some other ideas?_

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**Author:** ![Mattbrennan](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/mattbrennan/32/1825_2.png) [@Mattbrennan](https://neofinancial.discourse.group/u/Mattbrennan)\
**Post date:** [March 25, 2026, 4:16am UTC](https://neofinancial.discourse.group/t/feature-subscription-management-and-merchant-blocking/4778/2 "2026-03-25T04:16:37Z")

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Love this. Could also add something with notifications for when trials are ending or auto-renews are about the happen

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**Author:** ![eschielke](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/eschielke/32/1612_2.png) [@eschielke](https://neofinancial.discourse.group/u/eschielke)\
**Post date:** [April 4, 2026, 6:38am UTC](https://neofinancial.discourse.group/t/feature-subscription-management-and-merchant-blocking/4778/3 "2026-04-04T06:38:55Z")

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This is a great idea.

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**Author:** ![GrantLahring\_Neo](https://sea2.discourse-cdn.com/flex002/user_avatar/neofinancial.discourse.group/grantlahring_neo/32/1124_2.png) [@GrantLahring\_Neo](https://neofinancial.discourse.group/u/GrantLahring_Neo)\
**Post date:** [April 6, 2026, 4:00pm UTC](https://neofinancial.discourse.group/t/feature-subscription-management-and-merchant-blocking/4778/4 "2026-04-06T16:00:20Z")

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Love this! I think we can do it, and I have heard the idea tossed around by a couple of PMs here. @Matt - nice addition to the feature, I think that makes a lot of sense.