The action layer for
smarter spending

Help your customers unlock savings by automating the way they manage their bills and subscriptions.

Bills and subscriptions are hard to stay on top of. Help your users track, manage, and optimize theirs.

A billing dashboard that was built to help users take action

Enable users to track bills, receive alerts, and analyze spending—all in one place.

Simplified management

Give users the ability to pause, cancel, or reactivate subscriptions directly from your platform.

Valuable notifications

Send users notifications about their upcoming payments and new statements

Easier payments

Allow users to pay any of their bills from within your app.

Clear spend tracking

Help users understand their spend with data and insights.

Faster integrations

Users can access nearly every app imagineable through TrueAuth.

Quick implementation

Atomic's Transact SDK makes using Atomic a breeze.

A personal assistant that tracks recurring charges

Identify active subscriptions

Pause or cancel with one click

Send alerts when free trials are ending

Schedule future subscription reactivations

A system that analyzes app usage and finds ways to save

The Atomic difference

Unlike traditional subscription management, our recommendations come from actual usage data, not just transaction history.

Simplicity and speed

Users get immediate feedback and can confirm changes and cancelations immediately without leaving the banking app.

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

To connect with us, please fill out the form. Expect a response within one business day.

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