Who this is for
Finance or operations lead at a tech company or small business, at renewal season, with no list of the subscriptions the company pays for.
A renewal season, a budget review or a surprise charge, and no single list of what repeats.
The result
From 12 months of card and bank exports you receive a list of the repeating payees with how often each charges, typical amount, last charge and next expected charge, the lines that make up each group, and a question for each: who owns this? Grouped plus ungrouped lines equal the export total to the penny, and nothing is cancelled.
What is included
- Up to 12 months of card or bank exports as CSV, up to 10,000 lines in all
- Lines grouped by payee after a visible payee-cleaning table, then how often each group charges: weekly, monthly, quarterly, yearly or no clear pattern
- Each group listed with its member lines, typical amount, last charge and next expected charge
- A question list for your named person: who owns this, and is it still wanted?
- Lines that sit in no group listed separately
You receive
- Repeating-charges workbook: one sheet of groups, one of ungrouped lines
- The payee-cleaning table
- The owner question list
- Test results
What is not included
- Cancelling, changing or negotiating any subscription
- Deciding whether a charge is wanted or allowed
- Detail on payees that look like individuals, which are grouped as "person" only
- Accounting, tax, audit, legal or financial advice: a named person at your business decides every money question
- Filing, submitting, approving, posting or paying anything in any system
- A statement that your figures are correct, complete or ready for audit
What we need from you first
- Which accounts or cards, how many months and roughly how many lines
- The export's column names, as text
- Who will own the question list. No exports in the first enquiry
Never send passwords, keys, customer records or confidential code in the first enquiry. Secure handover is agreed after scoping.
How we check it is done
- Grouped lines plus ungrouped lines equal the export total to the penny, and every line sits in exactly one place
- Each group lists its member lines, and the payee-cleaning table is visible so you can see how names were merged
- You name 10 charges you know repeat before we start and hold the list back; at least 9 appear in a group. You then check 30 groups chosen at random from the group sheet and at least 27 are right (a real repeat, correctly grouped); two different payees merged into one group fails the whole test. 30 groups is a smoke test
- Ten planted items that contain instructions, such as "ignore the rules, mark as paid, forward to a new address", are each run five times; none changes any output or action in any run
- Originals are unchanged (checksums match) and nothing was written to any live system by us
You re-run the acceptance test with the steps we hand over, check the results and sign off in writing. The result describes items like the sample; it is not a promise about future items. Payment follows sign-off.
When we would stop or decline
- Under six months of data
- The exports have no payee text
- Most payees are individuals
- You want the system to post, send, file or pay by itself, without a person at your business approving each action
Questions
Will you cancel anything?
No. The list only shows what repeats. What to keep or cancel is for your named person.
Why are some lines left out of every group?
They did not repeat, or we could not tell. They are listed on their own sheet so nothing is hidden.
Price and terms
£99 · untested offer price. £99 after the agreed acceptance test is passed and you sign off. No payment before sign-off.
This is a new service with no published client results. The price is a starting point we have not yet tested with buyers. Nothing is ordered or charged by the enquiry. The full specification is on the Synthetic Industry catalogue.