White-label · v2.4 shipped this week

Subscription intelligence, embedded inside your fintech.

SmartSpend AI is the engine behind subscription dashboards, savings recommendations, and renewal alerts for the world's most considered fintech apps. Three lines to integrate. Your brand. Your customers' data.

SOC 2 Type II GDPR & CCPA No PCI scope
MERIDIAN BANK
powered by SmartSpend

Monthly subscriptions

$248−$71 vs last mo

Notion Family

Renews in 4d

$19.99Soon

ChatGPT Plus

Duplicate of Claude Pro

$20.00Save $20

FitnessClub+

Trial ends in 2d

$48.00Trial
Assistant

You're paying for both ChatGPT Plus and Claude Pro. Cancelling one saves $240/yr with no overlap.

Embedded inside finance teams at

MERIDIAN NORTHWIND PARALLEL OAK & RIVER FIGURE LEDGER CO. STILLWATER ATLAS BANK MERIDIAN NORTHWIND PARALLEL OAK & RIVER FIGURE LEDGER CO. STILLWATER ATLAS BANK

— Capabilities

Six pillars. One quiet engine.

Use the full suite, or pluck the modules you need. Every surface ships as React components, headless hooks, and a typed REST API.

01 / Dashboard

Subscription dashboard

A unified view of every recurring charge across your customers' linked accounts — costs, billing cycles, renewal dates, in one elegant surface.

02 / Savings

AI savings finder

Our models read usage signals and surface concrete savings: downgrade paths, duplicate services, dormant trials, and cheaper equivalents.

03 / Alerts

Smart alerts

Renewals, free-trial expirations, price increases — proactive nudges delivered in-app, by email, or pushed through your existing messaging.

04 / Assistant

AI chat assistant

Customers ask plain-language questions — 'where can I cut $50?' — and get personalized, account-aware financial guidance instantly.

05 / Analytics

Spending analytics

Category trends, cohort benchmarks, and forecasted spend. Drop our charts into your app, or stream the raw aggregates over our API.

06 / Notifications

Email notifications

Branded, deliverable transactional email — sent from your domain, written by the assistant, never generic. Opt-out compliant by default.

— Integration

Embed in three lines.

Drop the component, pass a session token, ship to production. No data leaves your customer's tenant — we operate as a stateless processor.

  • React, React Native, and headless web components
  • Themeable to your design tokens out of the box
  • Hosted aggregates API for native dashboards
  • Webhooks for renewals, alerts, and savings events
app/subscriptions.tsx● live
// 1. Install
npm install @smartspend/react

// 2. Mount inside your app
import { SubscriptionHub } from "@smartspend/react"

export default function Subscriptions() {
  return <SubscriptionHub token={session.smartspend} />
}

Avg. monthly savings surfaced / user

$71.40

Subscriptions detected / user

14.2

Trial expirations prevented

98.6%

— Trust

Built for the compliance team, not just the product team.

SOC 2 Type II

Audited annually. Reports under NDA on request.

GDPR / CCPA

EU and US data residency. DPA signed at contract.

No PCI scope

We never touch card numbers — only aggregates.

Stateless processor

Customer data stays inside your tenant.

— Get started

Ship subscription intelligence this quarter.

A 30-minute demo with our integrations team. We'll mock up SmartSpend in your brand and walk through go-live.

Average response time: 4 business hours.