Step 1
Finny reviews transaction patterns
Patterns are compared across merchants, amounts, and your historical activity.
RECOVER OVERCHARGES
Find charges that do not look right.
Finny compares transactions, merchants, and spending patterns to flag charges worth reviewing.
Finny prepares the next step. You review and approve before anything happens.
Charge review panel
Review suggestedRestaurant
Expected range $12-$18
$31.42
Review suggestedUber
Expected range $14-$20
$29.80
Review suggestedAmazon
Expected range $20-$26
$33.10
Prepare requestExpected-range comparison view
Finny shows why an amount looks higher than expected before you decide what to do.
Order pattern
Compared to prior purchases
Outside range
Review nowMerchant pattern
Compared to merchant history
Above trend
Review nowNext step
Review-ready action draft
Prepared
Draft readyFinny insight layer
Flags amounts that look higher than expected.
Explains why each charge was surfaced.
Prepares a next step so review is faster.
How it works
Step 2
Unusual amounts are flagged
Charges that look higher than expected are grouped into a review queue.
Step 3
Reason context is shown
Finny explains what changed and why the charge needs review.
Step 4
A next step is prepared
You review and approve before anything happens.
Real examples
“A restaurant charged more than expected.”
“A ride charge was higher than usual.”
“A subscription charged a higher tier.”
“A delivery order included unexpected fees.”
Trust and control
Review signal first, then choose your action.
Finny flags charges that look higher than expected, then prepares context so you can decide with confidence.
Finlingo does not claim a charge is definitely wrong.
You can review all details before approving next steps.
Nothing happens without your approval.
Frequently asked questions
What counts as an overcharge?+
An overcharge signal means the amount looks higher than expected based on your prior transactions and merchant patterns.
Does Finlingo know if a charge is definitely wrong?+
Finny surfaces charges worth reviewing. You make the final decision after reviewing the details.
Can Finlingo recover the money automatically?+
No. Finny prepares the next step for review, and you approve what happens.
Can I review the details first?+
Yes. Finny shows comparison context before you approve any action.
How does Finlingo compare charges?+
Finny compares merchant history, amount ranges, and recent transaction behavior to highlight unusual amounts.
Catch higher-than-expected charges sooner.
Review what changed, see why it was flagged, and approve only the actions you want.
Payment setup is required to start trial. Your plan begins after trial unless you cancel.