How to Use SubZero
On your phone
SubZero works best as a home screen app on your phone. After purchasing, tap the Share button in Safari (□↑) or the menu in Chrome (⋮) and select “Add to Home Screen.” SubZero opens full screen like a native app with no browser bars.
To scan a statement: open SubZero, tap the camera icon, and point it at your bank statement. SubZero auto-captures when the document is in focus. For best results: flat surface, good lighting, statement filling the frame.
Prefer a PDF? Download your monthly statement from your banking app and tap “Upload PDF” instead. PDFs give the most accurate results.
On your computer
In Chrome or Edge, look for the install icon (⊕) in the address bar after opening SubZero. Click it to install SubZero as a desktop app. It opens in its own window with no browser chrome.
To scan a statement: download your monthly statement PDF from your banking app's website. Drag and drop it onto the upload zone. SubZero processes it entirely on your computer — nothing is uploaded to any server.
Don't have a PDF? Use the manual entry option to paste transaction descriptions directly.
Getting the best results
Use 2–3 months of statements if possible. SubZero is more confident when it sees the same charge appear across multiple months.
If a charge isn't identified, copy the exact text from your statement and paste it into the manual entry field. You can also submit unknown charges for us to research and add to the database.
SubZero works offline after first load. Your results are saved on your device between sessions.
How SubZero Works
The Database
SubZero maintains a 300-vendor database of subscription services. Each entry contains verified statement descriptor strings — the exact codes that appear on your bank or credit card statement — sourced from public user reports, official support pages, and primary research.
Entries are reviewed for accuracy and updated monthly. The last_verified date on each entry shows when it was last confirmed.
Three-Pass Matching
Pass 1 — Exact match: Your transaction string is normalized (uppercase, stripped of amounts and symbols) and compared exactly against every alias in the database. Exact matches receive HIGH confidence and are auto-checked in results.
Pass 2 — Fuzzy match: If no exact match is found, we run a Levenshtein distance check (tolerance: 2 characters) to catch bank-specific truncations like ADOBE *CREAT vs ADOBE *CREAT. Fuzzy matches are flagged with “?” and unchecked by default.
Pass 3 — Amount stability: On multi-file uploads, if the same dollar amount recurs across multiple months and fuzzy-matched the same vendor, the match is upgraded to HIGH confidence.
Privacy
No data leaves your device. PDF processing runs in your browser via pdf.js. Camera OCR runs via Tesseract.js in your browser. Nothing is uploaded to any server. SubZero never sees your statement.
The only data we store: your Stripe session ID (to verify your one-time purchase) and your email (to enable access restore). No financial data, no transaction history, no statement content.
Limitations
SubZero can only identify vendors in its 300-entry database. Newly launched services, regional variations, and white-label processors may not match. Results depend on statement quality — low-resolution scans and heavily formatted PDFs may reduce accuracy.
Pricing shown on entity pages reflects standard published rates. Your actual charge may differ due to promotional pricing, grandfathered plans, or regional billing.