See every recurring charge across all your cards, and stop the ones you don't want.
Your software seats, vendor fees, and ad spend are scattered across half a dozen cards and accounts, each with its own billing date. Naxcol pulls the whole recurring total into one place, tells you what is worth keeping or cutting, and stops a cut charge at the card before the money leaves.
- Nothing to switch
- Every bank and card you already use
- One flat monthly fee
Your recurring total
$4,120a month, across 38 recurring charges
and 34 more
- Figma$675
- Mailchimp$60
- Grammarly$45
- Workspace$144
- Ahrefs$129
- Webflow$84
- ClickUp$300
- Airtable$120
- Buffer$60
- Gusto$89
- Zoom$65
- Xero$47
- Sales Navigator$99
- QuickBooks$85
- Zapier$73
- Stock photos$55
- Dropbox$40
- Font licence$40
A quarter of it is quietly leaking.
When you run a service business, most of what you spend is recurring: software seats, vendor and contractor fees, ad spend, the tools each part of the team signed up for on its own. Roughly a quarter to a third of it is wasted on tools no one uses, duplicates, and charges everyone forgot about.
For a team spending $2,000 a month, that is $6,000 to $7,000 a year. It survives because it is spread across cards and inboxes, so no single screen shows the total, and the number in your head is almost never the real one.
Find it, cut it, and actually stop it.
Connect the accounts you already have and the whole recurring total shows up in minutes, with no new card program to adopt.
Find every recurring charge.
Naxcol sits over every bank and card you already hold, across the US and Canada, and pulls the whole recurring total into one view. Connected through Plaid, an accredited channel: no credential scraping, and Naxcol never sees your bank password.
Know what to keep or cut.
Duplicate tools, seats no one uses, forgotten charges, and silent price hikes are flagged, with a keep-or-cut call made on your numbers, not on what earns us more.
Cut it or stop it.
When you cut a charge, Naxcol cancels it with the company for you, no retention call. When you keep a company, Naxcol puts it behind a card that freezes the moment it tries to charge past your line, before the money leaves your account.
Naxcol knows this company.
A tracker shows you a charge after it left. Naxcol knows the company behind it: what it is, what it used to cost, how it is cancelled, and whether blocking it will actually hold. Every answer comes from Naxcol walking that company’s billing and cancellation itself, and it gets sharper each time.
What a charge actually is
A statement line like MAILCHIMP *MONTHLY becomes the product, the plan and the seat count, with how sure Naxcol is shown beside it. You confirm or correct it, and it learns.
What it used to cost
Every price a company has charged, dated. Not one delta. So a quiet move from $35 to $40 to $60 is a history you can see, not a surprise you compare across two statements.
How to stop it
The actual path a cancellation takes, how long it takes, and the offer they make to keep you, captured word for word. Naxcol walks it for you and brings the offer back for you to decide.
Whether stopping it will work
Some companies find a new card on their own and start billing again. Some send a blocked charge to collections. Naxcol tells you which, before you block anything.
What Naxcol knows about Mailchimp
Checked 2 days ago- What it has cost
- $35$40+$5$60+$20Price history: Mar 2025 $35, Sep 2025 $40, Aug 2026 $60.Mar 2025Sep 2025Aug 2026
- How it bills
- Monthly on the 3rd. Raises the price on the plan, not with a notice.
- How it is cancelled
- Cancelled from the account page, no call, about 5 minutes.
- What they offer to keep you
- “Keep your old price of $40 for 2 more months.”
- Does a card block stop it
- A block holds
A card block stops it. Seen to hold every time so far.
Mailchimp. Block it and it stops.
A client project stack. Two of three tools reattach within a cycle.
Business insurance. Block it and the policy lapses into collections.
Feel it before you sign up.
Walk the whole loop with real numbers: find the total, cancel the waste, and freeze a price hike at the card.
Six steps, about a minute. Nothing to sign up for.
Connect your accounts
Your US and Canadian banks and cards, through Plaid. Nothing to switch.
Connected through an accredited channel. No credential scraping, and Naxcol never sees your bank password.
The numbers behind the leak.
The size of the problem, from published research. None of these are our own results.
tools the average small business runs, and roughly 68 percent of software purchases happen with no one keeping the full picture.
of people are actively paying for a subscription they forgot about, and spending tends to run about 2.5 times what people estimate.
cite silent price increases as the top reason they cancel, yet the higher charge lands before anyone can react.
a month is what small agencies lose to software that keeps billing after a client leaves.
is roughly what Ramp effectively needs sitting in a business account, and Brex only takes funded companies. The free tools turn away the smallest shops.
Pick your plan. Start free, or start a 14-day trial on any paid plan.
A flat monthly fee, not a cut of your spending, so the tool has no reason to want your spending higher. The waste it finds and stops pays for it several times over.
Audit
See what you are actually paying for, on two accounts, before you pay for anything.
- Two of your cards or accounts
- Every recurring charge on them, with how sure we are on each
- The full price history of every charge
- One cancellation, done for you
- A summary to share with your partner or bookkeeper
Solo
Solo operators running everything through a couple of cards
- Connect up to three of your cards or accounts
- See every recurring charge on them in one place with the real total
- Know what is worth keeping or cutting, called on your numbers
- Cut a charge and Naxcol cancels it for you
- Keep a company behind a card that freezes if it charges past your line
- Catch silent price hikes and trials about to convert
Business
Most popularGrowing service businesses whose spend is spread across many cards
- Connect every card and account you hold, across the US and Canada
- Your whole recurring total in one view, with personal and business spend split apart
- Stop any charge at the card, across every account, not just one
- Add up to five people who touch the money
- See duplicate tools and seats no one uses
Agency
Agencies and studios billing several clients, each with its own stack
- Everything in Business
- Tag every recurring charge to a client: yours, billed back, or theirs to pay
- Catch tools that keep billing after a client leaves
- See true cost and margin on each client without waiting for the quarter to close
- Add up to twenty people who touch the money
Straight answers.
Each of those does one slice. A tracker shows you what already left your account. A card tool can block a charge but will not tell you what is worth cutting. Your bank only sees its own card. None of them finds the whole total across every account and then stops the charge, and the free ones make more money when you spend more.
We do earn it, and we will not pretend otherwise. It is not how we make our living. A flat fee is. We never sell your data or push you toward products that pay us. So when we tell you to cut something, we give up the fee on it.
Declining a charge is not the hard part. Knowing which charge to block is. A free card control cannot tell you a tool is a duplicate, a seat is unused, or a price just jumped, and it only covers the one card it lives on.
Those only see the spend on their own card, and they are free because that spend is how they earn. Naxcol sits over all your accounts at once, tells you what to cut on your numbers rather than ours, and stops the charge at authorization. And if you are a smaller shop, Ramp likely will not even approve you.
See your real recurring total in minutes.
Connect your accounts and most owners find charges they had forgotten in the very first session. See the whole total in one place, then decide what stays.
Checking it against the line you set, before the money moves.