Paybacker’s five tools work brilliantly on their own — and become unstoppable stacked together. Here’s how each one fits into your day.
We write the letter, you send it from your own inbox — then Paybacker’s AI watches the email thread for you. When the provider replies, we analyse it, draft your rebuttal, and alert you in-app when action is needed.
To: complaints@virginmedia.co.uk
Subject:Formal dispute — mid-contract price increase of £12 applied 1 October
Dear Virgin Media Customer Relations,
I am writing to formally dispute the £12 CPI+3.9% increase applied to my broadband contract on 1 October, reference VM-774-2245.
Under Ofcom’s Fairness Framework (2021) and the Consumer Rights Act 2015, s.49, you are obliged to provide clear and reasonable notice of price increases and a penalty-free right to exit where material terms change mid-contract…
Pick a category (bill hike, flight delay, bad service, etc.), tell us what happened in a sentence or two, and the AI drafts a legally-grounded letter. Copy it, download as PDF, or open in your email app pre-filled. Then just connect your Gmail or Outlook — Paybacker reads incoming replies in that thread, flags them by urgency, drafts your counter-reply, and pings you the moment action is needed.
Read-only sync with your bank via Open Banking. Each subscription is auto-tagged — hikes, duplicates, trials, inactive — and one tap takes you to the provider’s cancel page.
Connect your bank once (read-only, Open Banking via Yapily). Paybacker auto-detects every recurring charge and tags them: price hikes (amber), duplicates (red), expiring trials (blue), upcoming renewals (grey). Tap any row to cancel, dispute, or switch — we deep-link you straight to the provider’s cancel page.
Connects to every UK bank via Open Banking (FCA-authorised via Yapily). Net position, breakdown, live transactions. Everything Emma does — plus a dispute engine, a deals engine, and an AI agent, all reading from the same ledger.
Open the app to your daily snapshot — net position for the month, spending breakdown by category, and today’s transactions in a live feed. Any row with a flag is actionable: tap it to dispute, cancel, or switch. Same visual grammar as Emma or Monzo Trends — but every flagged row has a next step beyond “look at it.”
Your bank data and dispute tools, wrapped in a chat interface. Telegram is free on every plan; WhatsApp is Pro-only. Push alerts when bills hike. Natural language for every action.
Connect Telegram (free) or WhatsApp (Pro) in 30 seconds. From then on, just ask: “cancel my gym,” “is my energy bill fair?”, “what renews this week?” — and it answers from your own data. The agent also pushes proactive alerts the moment it spots a bill hike, with a one-tap “Fight it” button.
Everything Lunchflow does — transaction export, monthly roll-up, custom categories — piped into a Google Sheet that updates daily (and on demand). Your formulas, your charts, your AI agents can read from it.
| A — Date | B — Merchant | C — Category | D — Amount | E — Flag | F — Paybacker tag | |
|---|---|---|---|---|---|---|
| 1 | 14-10 | Tesco Express | Groceries | -£23.40 | ||
| 2 | 14-10 | Acme Ltd · Payroll | Income | +£3,284.00 | ||
| 3 | 14-10 | Virgin Media | Broadband | -£49.00 | HIKE +£12 | dispute-ready |
| 4 | 13-10 | Deliveroo | Dining | -£18.50 | ||
| 5 | 13-10 | Octopus Energy | Energy | -£94.12 | SWITCHED | saves £287/yr |
| 6 | 12-10 | Spotify | Subscriptions | -£17.99 | ||
| 7 | 12-10 | Twitch Turbo | Subscriptions | -£8.99 | DUPLICATE | cancel-ready |
| 8 | 11-10 | TfL · Oyster | Transport | -£12.80 | ||
| 9 | 11-10 | Netflix Premium | Subscriptions | -£17.99 | UNUSED 62d | cancel-ready |
| 10 | 10-10 | Waterstones | Shopping | -£14.99 |
Pro-only feature — head to /dashboard/export, click “Connect Google Sheets” and authorise once. Paybacker creates a live sheet in your Drive and refreshes it daily (06:00 UTC) plus on-demand whenever you want. Every transaction is piped through with two extra columns: Flag (hike, duplicate, unused, switched) and Paybacker tag (dispute-ready, cancel-ready, saves £X/yr). Use it with your own formulas, charts, or AI agents.
No single competitor combines bank sync, subscription tracking, AI-drafted legal disputes, a conversational agent, and a live spreadsheet export. Paybacker does.
| Feature | Emma | Snoop | Lunchflow | Resolver | Which? | Paybacker |
|---|---|---|---|---|---|---|
| Bank sync (Open Banking) | ✓ | ✓ | ✓ | — | — | ✓ |
| Subscription flagging (hike/dup/unused) | Basic | Basic | — | — | — | Full |
| Legal-grade dispute letters | — | — | — | Templates | Guide | AI + law |
| UK consumer law library cited | — | — | — | Partial | Partial | 5+ statutes |
| Telegram + WhatsApp Pocket Agent | — | — | — | — | — | ✓ Live |
| Email inbox scanning (Gmail / Outlook) | — | — | — | — | — | ✓ Live |
| Live Google Sheets export | CSV only | — | ✓ | — | — | ✓ Live (Pro) |
| User in control (no auto-sent emails) | ✓ | ✓ | ✓ | Semi | ✓ | ✓ |
The Paybacker core is one unified ledger — every feature reads from it. When you dispute a charge, the Money Hub reflects it. When you cancel from the subscriptions screen, the ledger updates. No other UK product stacks the same five surfaces.
Connect a UK bank account in under a minute. Free forever on the starter plan.
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