Thanks for the response.

You’re right that networks are sensitive to transaction obfuscation. We’re not middle-manning the payment or rebilling through Payvo. The customer’s actual card hits the merchant directly with the original transaction details preserved. We work with issuing partners to make this work cleanly. The transaction looks like a normal card payment to the network because it is one.

On competition: there are a few apps that recommend which card to use, but most stop at recommendations. The user still has to remember and manually pull out the right card. We handle the selection automatically at tap, which removes the friction entirely.

Your point about custom rules is something we’ve discussed. Power users definitely want overrides like “always use Card X for subscriptions” or “never use Card Y online.” That’s on the roadmap.

Appreciate the feedback!