Look Who's Charging - Find an unknown credit/debit card charge

Making transaction not recognised a thing of the past

About Us

Look Who’s Charging is the first company to solve the complex 45-year-old problem of matching transaction descriptions from debit and credit statements to in-depth details on the underlying merchant and the category of spend.

Our data is provided via an API or it can be accessed via our web portal or web browser plugin (depending on the use case).

Card holders don’t recognise up to 20% of all transactions because the information provided to them on their credit or debit card statement can be limited to a random string of characters. This confusion results in millions of wasted hours by card holders each year, millions of bank phone calls and branch visits and millions of unnecessary merchant charge-backs.

Our data has a range of use cases such as enriching transactions directly within banking apps, empowering Personal Financial Management (‘PFM’) tools, the automatic classification of expenses for bookkeepers and SMEs, enhancing loyalty schemes as well as expense audits covering large volumes of transactions.

Use Cases

Financial Institutions | Transform the customer experience &
save significant costs

Current View

Can be extremely confusing for consumers
and an expensive task for banks to resolve
“transaction not recognised” queries.

Look Who’s Charging View

Gives the consumer instant
clarity on where they have spent
their money.

In-Depth Merchant Details

Consumer clicks on a transaction
and in-depth details are provided on the underlying merchant.

Market leading spend analysis

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Other Use Cases

There are numerous other use cases for our data. Click on a symbol below for more details or contact us.

BookkeepersSMEsLoyaltyData AnalyticsFraud & Expense audits

How to Access Our Data

Direct access
to our apis

Online portal and
web browser plugin

Direct via your
banking app

Financial institutions

Credit card providers

Loyalty schemes

Bookkeepers

SMEs

Consumers

The Scale of the Problem

200,000,000

# of transactions not recognised by Australian consumers

14,000,000

# of transactions not recognised formally queried with banks

3,000,000

# of transaction disputes

$200,000,000

Annual cost to Australian banks of transaction not recognised queries

Unrecognised transactions are one of the top consumer pain points

Why The World’s Top Companies Choose Look Who’s Charging

Significantly improves the customer experience

Transaction not recognised is an extremely frustrating problem! Consumers don’t recognise up to 20% of all their transactions and there is currently no solution to this problem other than internet search engines or calling the bank. Neither of these options have an answer in a large number of cases and they are generally time-consuming resulting in stress and a poor experience for the customer and bank alike.

Look Who’s Charging makes transaction not recognised a thing of the past and in doing so significantly improves the customer experience.

Cost savings

Transaction not recognised is an expensive problem and results in over $200 million of costs for Australian banks:

• Up to 10% of calls to call centres relate to transaction not recognised
queries;
• Up to 65% of charge-backs relate to transaction not recognised;
• Significant expense is involved in re-issuing cards for legitimate
transactions.

Utilising our APIs will not only improve the customer experience but will also result in significant cost savings.

Cutting edge technology

Look Who’s Charging is a cutting-edge technology company.

Rather than maintain a static database that quickly becomes redundant,
we perform real time searches drawing on hundreds of different data
sources. We use the latest in machine learning and AI technologies,
combined with a team of investigators, which ensures that every
record is as accurate as possible.

We also leverage the latest in cloud computing power to ensure
that our service is robust enough to be rolled out across billions
of transactions with some of the World’s leading financial institutions.

Best in class data coverage and quality

Linking transaction descriptions to merchant details is our core business.
Our proprietary search engine draws on hundreds of different data
sources to provide rich merchant details for over 95% of the 13.5 million transaction descriptions in the Australian market.

Transaction descriptions and merchant details are consistently changing;
our search engine continually evolves with these changes to provide the most accurate and up to date data. No other business can offer such a service.