“People open their statement, see something they don't recognise, and just… accept it. That shrug is the whole problem.”
Sumanth Maturi — Founder, ChargeGuard
Placeholder quote — to be replaced in his own words before launch.
ChargeGuard is pre-launch — nothing here is live yet
About
One person, one stubborn problem.
ChargeGuard is built and run by one person. That is the whole team, and it is why everything on this site says what it can't do as plainly as what it can.
Small enough to be honest.
A one-person product cannot promise a refund rate it has no data for, or a security guarantee it has not had audited. So it doesn't. Everything here is either something ChargeGuard does, or something clearly marked as planned.
The risk, named
If this stops being maintained, you should be able to take your data and go. That is a commitment, not a footnote.
Two cities, in the languages people ask in.
Fewer than one in twenty Indians holds a credit card — but auto-debits, e-mandates and bank fees reach everyone with an account. We start where confusing charges are densest and where answering in someone's own language is an advantage rather than a footnote.
Kannada · English
Bengaluru
India's largest concentration of young salaried tech workers — first job, first card, most subscriptions. Karnataka runs around 8.5% credit-card usage, well above the national average.
Telugu · English
Hyderabad
IT and pharma corridors with the same young salaried profile, and roughly 16% of all credit-card search interest in India. Telangana sits near 8% card usage.
Hindi · after the first two
Delhi NCR
The biggest card market in the country at about 12% usage. Worth earning, not worth starting with.
A website first. An app when it earns it.
One product, built in the order that costs you the least to try.
First · at launch
In your browser
Open a link, send your statement, get it back decoded. Add it to your home screen if you want it to feel like an app.
Next
An Android app
For what a website genuinely cannot do as well: sharing a statement straight from your bank app, a nudge before a renewal lands, and asking out loud.
Later, if ever
A browser extension
Useful for people who do bank on a laptop, and only ever as an extra. It will not be the way in.
We will not ask to read your SMS
Google restricts that permission to default messaging apps, and reading bank alerts is explicitly outside the exceptions — so any finance app offering it is working around a rule meant to stop fraud.
We take your side. Every time.
Most money apps hand you a dashboard and leave the work to you. ChargeGuard takes the work on.
- We read it, so you don't. No squinting at merchant codes. Every line comes back in words you'd actually use.
- We write the dispute. Correct wording, evidence attached, aimed at the right desk. You just read it.
- We never act without you. Nothing is filed, cancelled or sent until you've seen it and said yes. No exceptions.
- We are built not to touch your money. You send a file; we never see your credentials.
- We say when we don't know. An unresolvable descriptor is reported as unresolvable, not guessed at.
- We don't sell you out. No commission from any merchant we flag, and we do not sell charge data.
Our stand
We take your side. Every time.
Most money apps hand you a dashboard and leave the work to you. ChargeGuard takes the work on.
ChargeGuard is being built.
Join the waitlist and you'll hear from us when the first version opens — not before, and not for anything else.
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