The action layer for
payment detection

One platform to power action inside your app—from recurring payments to payment method updates, subscription management, and more.

Surface bills, detect recurring charges, pay merchants directly, and give customers control over subscriptions — all from a single integration.

Discover

Help users identify payments to manage

Act

Offer users more control over their payments

Discover

Give your customers a single place to see every upcoming bill

Pull live bill data into your app so users always know what's due, when it posts, and exactly what they're paying for. Drive engagement with timely alerts and clear plan details.

Surface every recurring payment across every account

Automatically detect subscriptions and recurring charges across all linked accounts. Forecast upcoming spend and convert card-based payments to your platform.

Turn cryptic charges into clear transactions

Enrich raw transaction data with merchant names, logos, and itemized details. Give users receipt-level clarity without leaving your app.

Act

A smarter way to pay bills — right in your app

Store credentials, deep-link to merchants, and sync payment status — so users can settle bills without ever leaving your experience.

Easily swap recurring payments methods

Provide a frictionless experience that keeps payments flowing and your institution top-of-wallet.

Give customers direct control over their subscriptions

Let users cancel, pause, or change plans without leaving your app. Surface hidden subscriptions and turn friction into engagement.

Identify active subscriptions

Pause or cancel with one click

Send alerts when free trials are ending

Schedule future subscription reactivations

Context that prevents confusion.

Unrecognized charges lead to support tickets—or worse, chargebacks.

Atomic surfaces merchant names, logos, SKU-level data, and even delivery confirmation so users have more insight on specific transactions.

50% of consumers investigated a purchase last year due to unclear transaction data.

Recurring transactions have a 275% higher chargeback rate than one-time purchases.

Sources: Ethoca, Mastercard Digital Banking Report

Less ops load.

More engagement.

Reducing user friction eases ops. Atomic gives users the details they need upfront—cutting costs and boosting primacy.

  • The average subscription-related dispute costs a bank $136 million annually.

  • 75% of banks report rising subscription-related disputes.

  • 82% of banks say reducing support costs through self-service is a high priority.

  • 85% of consumers want subscription management built into their banking app.

  • Consumers underestimate their monthly subscription spend by an average of $133 and spend over $219/month.

  • 92% say clearer merchant data would help them recognize transactions.

Sources: Forrester, Datos, Ethoca, C+R Research

One integration, many use cases.

Atomic’s SDK integrates seamlessly to unlock value with minimal effort—boosting satisfaction, engagement, and reducing disputes fast.

94% of merchants have a team of 30+ employees people managing subscription disputes.

Let your users solve them in seconds—inside your app.

Sources: Ethoca

Why Atomic?

Atomic is for financial institutions who want to create value-add services, and help customers be in control of their money.

Coverage

Atomic offers broad coverage across subscriptions, utilities, insurance, and top merchant wallets, with actions like pausing, canceling, plan changes, and payment updates.

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TrueAuth

Enable secure, direct user authentication without requiring third-party integration of open authentication protocols.

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import { Atomic, Product } from "@atomicfi/transact-react-native"
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// Your implementation goes here
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Atomic.transact({
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config: {
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publicToken: "PUBLIC_TOKEN",
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tasks: [{ product: Product.DEPOSIT }]
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},
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onInteraction: interaction => {
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console.log('Interaction event:', interaction.name, interaction.link)
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},

Developer experience

Integrate flexibly with Atomic's SDK's for a customizable UI or use our headless API to build your own experience.

Unlock the action layer of your financial app

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