Your customers have recurring payments scattered across accounts and cards. Recurring Transaction Detection surfaces every one — without a direct biller connection.
Recurring Transaction Detection
Detection that works on any account
Identify what your customers are paying, how often, and when it's due next — across every account they have.
Automatic detection
Atomic's algorithm analyzes transaction history to detect recurring payments across any frequency and forecasts the next expected date and amount.
Any account, any source
Detection works on accounts held at your institution and on externally aggregated accounts connected through Plaid, MX, Finicity, or other data providers.
Subscription discovery
For merchants like Amazon, Apple, and Adobe, a single charge often masks multiple subscriptions. Atomic prompts customers to uncover what's running underneath.
On average, Atomic identifies 8–12 recurring payments per user.
Turn detection into action
When a detected payment matches Atomic's coverage network, a full action layer unlocks automatically.
Map covered subscriptions automatically
When a detected recurring payment matches a merchant in Atomic's coverage network, it's automatically tagged — unlocking Cancel, Pause, Change Plan, Make a Payment, and Switch Payment Method.
Convert external spend to your card
When Atomic detects a recurring payment on an external account, your customers can switch that payment to their card with you. One tap, and that recurring spend moves to your institution.
How it works
From raw transaction data to targeted card-spend prompts — in four steps.
Analyze
Atomic runs its detection algorithm against internal and aggregated external transaction data to identify recurring payment patterns.
Forecast
Each detected payment is matched to a frequency and projected forward — next due date and expected amount — based on historical behavior.
Map
Recurring payments in Atomic's coverage network are automatically tagged and enriched with available subscription actions.
Convert
Customers are surfaced targeted prompts to move external recurring spend onto their card with your institution.