Daily financial visibility that keeps users engaged between credit milestones.
Bills & Spending is a white-labeled API feature that gives end users a clear view of recurring subscriptions, upcoming bills, and spending patterns — all inside your platform. It's the everyday utility layer that keeps users opening your app even when their credit score isn't changing.
Subscription and bill tracking
Surface recurring charges, upcoming due dates, and subscription sprawl — helping users catch forgotten charges and manage cash flow inside your product.
Spend insights that drive action
Categorized spending breakdowns highlight where money goes each month, giving users context that connects directly to credit utilization and debt management features in your suite.
White-labeled under your brand
Your product experience, your brand. We handle data aggregation, categorization logic, and ongoing infrastructure — you own the daily touchpoint with your users.
API-first integration
Connect via Kikoff's API and embed dashboards, alerts, and insights in your native UI. Bills & Spending becomes a core tab in your financial wellness experience.
Everyday utility that compounds into long-term platform value.
A reason to open your app every week
Credit scores change monthly. Bills come due weekly. Embedding spend visibility creates habitual return visits that don't depend on bureau data refreshes.
Surface the right feature at the right moment
When a user sees high utilization or a forgotten subscription, you have the context to recommend debt coaching, credit building, or bill reporting — natively, at the point of need.
Understand your users' financial lives
Spend patterns and subscription data give your team richer signals for segmentation, product development, and personalized offers across the rest of your embedded suite.
Enterprise-grade credit features, live within weeks.
Integrate
Connect via Kikoff's API. White-glove onboarding, sandbox testing, and compliance infrastructure included.
Reporting goes live
End users opt in inside your platform and their data starts flowing to the credit bureaus.
Kikoff handles the rest
Customer servicing, ongoing payment capture, and bureau partnerships. Your team stays focused on your product.
# Get monthly spending and bill summary curl https://sandbox.enterprise.kikoff.com/v1/spending/summary?member_id=usr_abc123&period=monthly \
-H "Authorization: Bearer $API_KEY" # Response: 200 OK {
"total_spend": 2847.5,
"subscriptions": 6,
"upcoming_bills": 3,
"top_category": "housing"
}
Give your users daily financial visibility under your brand.
Partnering with us means you focus on what you do best and let us do the building. Full, customizable functionality under your native brand experience.