ChargeBackUp

ChargeBackUp is a mobile wallet focused on one thing: preventing unwanted recurring charges. Users create merchant-locked virtual cards for trials and subscriptions (Netflix, gyms, SaaS, delivery apps). Each card can have rules: max monthly spend, auto-freeze after first charge, or expire after a date. When a merchant tries to bill outside the rules, the transaction is declined and the user gets an instant alert with a one-tap “allow once” option. The app also auto-detects likely subscriptions from transaction patterns and suggests converting them to controlled virtual cards. It’s not trying to replace Apple Pay or be another general wallet; it’s a defensive wallet layer that reduces chargebacks, bank calls, and “I forgot to cancel” fees. Monetization: freemium (limited cards), premium for unlimited cards, advanced rules, and family protection.