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Ethoca Consumer Clarity™ Smart Subscriptions

Create a more engaging and streamlined subscription management experience for your customers directly in their digital banking channels that helps improve experience, reduce operational complexities and increase loyalty. 

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Powering the global subscription economy

Our Smart Subscriptions tool is embedded in digital banking channels and connects issuers, merchants and consumers to enhance the customer experience, reduce operational costs, drive engagement and increase retention and lifetime value.

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Ethoca is a brand-agnostic company. Learn more about our network, data capabilities and ecosystem.

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Our results

95% identification accuracy

Our solution has high accuracy in identifying subscription payments

10% spend increase

Issuers see an average increase of 10% in spend when using subscription controls

4.8/5 customer satisfaction score

Customers highly rate subscription management features in their bank app

See how Smart Subscriptions works

Our Smart Subscriptions solution makes it easier for consumers to view and manage all their subscriptions in one place via direct connections between issuers and merchants.

Check out the demo
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How we help issuers

We help issuers create a more engaging subscription management experience directly in digital banking channels. 

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How we help merchants

Smart Subscriptions unlocks new opportunities for merchants to reduce chargebacks, grow retention and minimize unnecessary payment stops. 

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Benefits for issuers

Drive recurring spend

Create an experience that makes it easier for consumers to manage and continue their subscription spend.

Improve engagement

Offer a subscription management experience that keeps customers engaged.

Reduce chargebacks

Reduce chargebacks related to subscriptions and reduce their operational expense.

Reduce declines

Reduce the number of payment stops and subsequent declined transactions.

Benefits for merchants

Reduce chargebacks

Lower the number of chargebacks related to subscription payments, and their associated costs.

Increase retention

Provide retention offers that make it easier to retain customers.

Grow revenue

Create a subscription management experience that makes it easier to retain and reacquire customers.

Prevent payment stops

Provide customers alternatives to payment stops and improve engagement.

Subscription economy: Redefining relationships

Our latest report surveys over 10,000 consumers and 100 subscription business decision-makers to explore shifting consumer behavior, rising churn, the power of pause and new opportunities across the subscription economy.

Download the report

Mastercard acquires Minna Technologies

This acquisition helps us build better subscription tools that provide simplicity, enable clarity and grow relationships.

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Want to learn about how Smart Subscriptions can unlock more potential for your business?

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Ethoca by Mastercard

Ethoca Consumer Clarity Smart Subscriptions is powered by Minna Technologies AB (registration number 556967-5449), which is an Account Information Service Provider (AISP) registered with the Swedish Financial Supervisory Authority (SFSA), providing PSD2-compliant financial data access with top-tier security and regulatory oversight. For more information on the registration, please visit here. For more information on the European Commission consumer rights, visit here.