Monitor card spend and detect duplicate SaaS tools
Identify forgotten subscriptions, duplicate SaaS tools and unauthorized card expenses.
Introduction
No one systematically monitors card expenses. Subscriptions pile up (3 video tools, 2 storage solutions), free trials become recurring charges, and unauthorized expenses go unnoticed.
Phacet imports your card statements, categorizes every expense, detects recurring charges (monthly/annual subscriptions), identifies functional duplicates (two tools doing the same thing) and flags unusual new expenses. Result: 5 to 15% savings on your tools and subscriptions.
When to use this Phacet
Built for CFOs, SMB CEOs or office managers who want to:
• Get a complete map of all subscriptions and recurring card expenses.
• Detect duplicate SaaS tools and forgotten subscriptions still charging.
• Be alerted automatically on any unusual new card expense.
• Quantify potential savings on tools and subscriptions.
AI skills involved
Automatically classify your transactions, entries and documents
Phacet assigns categories, analytical codes or custom labels to your data - based on your rules, your chart of accounts, or patterns it learns from your history. Bank transactions, supplier invoices, expense lines: everything is classified consistently, at scale.
Validate every line against your rules, thresholds and references
Define your rules once - negotiated prices, spending caps, expense policy, contract conditions, approval thresholds - and Phacet applies them to every single row, every time. Every discrepancy is flagged with the exact reason, ready for review.
Spot duplicates, outliers and suspicious patterns in your data
Phacet scans your full dataset to surface what shouldn't be there - duplicate payments, abnormal amounts, unknown suppliers, unusual timing patterns, RIB changes. It catches what rules alone can't predict, without requiring you to define every possible scenario upfront.
Get notified on what matters and share results without manual work
Phacet sends alerts the moment a threshold is crossed or an anomaly is detected by email, Slack or in-app. It also generates summaries, dashboards and structured exports ready to send to your ERP, your team or your management. Results reach the right people at the right time, automatically.
Business impact
5 to 15% savings on tools and subscriptions
Functional duplicates and forgotten subscriptions are identified. On a €100K/year SaaS budget, that’s €5–15K recovered.
Full visibility on card spend
Every charge is categorized and linked to a vendor, frequency and owner. No more invisible expenses.
Systematic control, not one-off
New expenses are flagged in real time. No more waiting until month-end to discover a new subscription.
Integrated with everything
Steps to get Started
Load your card statements
Via CSV or direct connection (Spendesk, Qonto, Ramp). 6 to 12 months of history is recommended.
Phacet identifies each expense
Categorizes it and detects recurring charges: monthly, annual and quarterly subscriptions.
Functional duplicate tools are identified
Forgotten subscriptions are flagged and unusual expenses are surfaced automatically.
Review the subscription map
Prioritize cancellations and track savings realized month after month.
Unlock your AI potential
Do more with your existing resources using tailored AI solutions.
Frequently Asked Questions
Corporate cards, personal reimbursement cards, virtual cards. Any statement exportable as CSV is compatible.
Yes. The agent compares functional categories (video, storage, project management) and flags when multiple tools cover the same need.
6 months of history is enough to detect recurring charges. 12 months allows identification of annual subscriptions.
Yes, as soon as a new statement is imported, new expenses are analyzed and alerts are sent.
Yes. Phacet calculates potential savings and tracks completed cancellations to measure real impact.
