Hey everybody,

Yigit here! I am developing a personal finance app mainly based on what features I wish an app to have and it is on google play closed test now. Here is a quick summary:
The app's main value proposition is being able to keep track of your expenses 'automatically'. The rationale behind is the fact that in my country banking laws restrict individual's access to open banking apis. That is, you cannot have an API access to your bank to exchange information and keep track of your expenses unless you are corporate. According to my research, this feature is available in US and EU but only with certain restrictions in the latter.

I thought it could be sutaible time to ask the community about their needs about such an app and can guide me a long way before I commit further. Would you be so kind enough to answer below questions? Any replies are appreciated and thanks in advance.

1. Do you use personal finance app?

2. Could you please share your the most essential must-have features of the personal finance app of your choise and tell me why?

3. Under which circumstances would you give another app a try?

4. What would be the ideal price point for such a service in your perspective?

Hey Product Hunt!

We're excited to announce the launch of our Virtual Card feature, designed to solve some of the most common challenges businesses face with shared business cards.

We re happy @Mercury customers here at Product Hunt. We previously used SVB (I ve used them at other startups as well), but the interface was clunky, and the bureaucratic process was frustrating so we switched to Mercury and couldn t be happier!

Mercury recently introduced expense and reimbursement features. While it may not have all the bells and whistles and detailed permissioning of longer-established options like @Brex , it meets our current needs.

Hey Product Hunt!

Building on the conversations around our Virtual Card feature, we wanted to highlight another practical benefit teams are finding useful lately:

• Every card has a single purpose. No mix-ups, no unclear transactions.

• Unauthorized purchases simply can t happen. If the card isn t approved for the vendor, it won t go through.

• Budgets stay exactly where you set them. Limits are locked in, and alerts tell you the moment a transaction happens.

Hey Product Hunt!

Continuing the conversation around our Virtual Card feature, here s another benefit teams have been calling out:

• One compromised card doesn t shut everyone down.

  Each virtual card has its own number and its own rules. If one card gets hit with a suspicious charge, only that card stops the rest of the team keeps working without disruption.

• Replacements are instant.

  No waiting days for a plastic card. You can spin up a fresh virtual card in minutes and attach it to Apple Pay or Google Pay right away.

If you're a SaaS, digital product, agency or freelancer what payment gateways do you use to handle local methods, taxes and subscriptions?

PayPal charges me 5% per transaction and their support is unwilling to reduce it to 3% for me while I know they do lower the transaction fee for certain accounts.