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Recurring Expenses
Identify users’ regular payments for subscription services
Get an instant overview of your users’ recurrent spending habits on subscription services such as Netflix or Spotify, as well as other cyclical payments including electricity bills, loans, and periodical transfers. Easily understand their repayment risk for loans or offer them advice on how to improve their financial health.
Trusted by the leading financial innovators
Use cases
Get a clear picture of your client’s recurring expenses
PFM: understand users’ spending patterns
Understand your users’ recurring spending patterns on platforms such as Netflix, gym subscriptions, and utility payments such as electricity. Soon, you will also be able to obtain data on regular or installment payments such as rent and mortgage.
Credit: make more insightful risk decisions
Identify what percentage of your customers’ expenses take place on a recurring basis to better understand their financial profile, offer them personalized credit options, and reduce risk when assessing their eligibility for loans.
Focus on what matters, build what your users need
Access enriched financial data
Access real-time data and identify recurring expenses to improve how your customers manage their finances.
Identify savings opportunities
Understand the expenses that your customer is already committed to and identify how to reduce them to boost saving as well as optimize their financial health.
Reduce credit risk
Analyze spending patterns to foresee your customers’ ability to pay and offer tailored-made credit solutions with low risk.
Get a granular view of users financial health
Connect the data with other sources of financial information to get an overview of your users’ financial situation.
How it works








A few lines of code to retrieve any financial data
Related guides & docs
Learn more about recurring expenses
Access the documentation in our developers portal about our recurrent expenses product.
Get a real picture of your client’s income
Use our income verification product to identify your user’s financial stability and ability to pay.
Help your users improve their finances
With just a few API calls you can get all the data you need to help your users with their finances.
We can’t wait to hear what you’re going to build
Belvo does not grant loans or ask for deposits