Decode — you know every plan, nothing adds them up
BNPL, credit or subscription agreements · photo, screenshot or PDF · 30 seconds
free in early access · Pro £4.99/month later
decode explains your agreement. it does not tell you what to do.
the problem, with receipts
-
2.6
purchases a month, per active user
-
£168
borrowed a month, per active user
-
89%
of shops offering bnpl put credit in the small print
-
1 in 10
bnpl shoppers chased by collectors
-
fca began regulating bnpl
how it works
The information was always in the document.
Fragments of your agreement, the way you actually meet them — scattered, true one by one, never adding up. Photograph it, screenshot it or upload the PDF, and they resolve.
the teardown
Line by line, each figure with the page it came from.
your month
Four plans. One number.
Every line here is true on its own. Nothing puts them in the same column — which is why nobody ever sees the bottom one.
worked example from sample agreements, not a real account.
free in early access · Pro £4.99/month later, VAT included
Pro, when it launches: unlimited decodes and questions, the full vault and history, every date in one timeline
and after that
You hear about it before the money moves.
Each due date decode finds in your agreement can become a reminder. Turn them on in the app — on iPhone, add decode to your home screen first.
before you ask
Eight questions.
will this affect my credit score?+
it depends on the provider and on what your own agreement says. Klarna's own Pay in 3 terms say they may report on-time, late and missed payments to credit reference agencies, and that this may affect your credit file.
Klarna Pay in 3 terms v1.0.1 · 14 July 2026
what happens if i miss one payment?+
again it is the document that decides. under Klarna's Pay in 3 terms a late fee is 25% of the order total up to a maximum of £6, and only once the payment is still unpaid 14 days after it was due.
Klarna Pay in 3 terms v1.0.1 · 14 July 2026
can they take money if i cancel my card?+
cancelling a card does not cancel the agreement. the money is still owed and the provider can ask for it another way. decode points you to the clause in your own document that says so.
do you need my bank login?+
no. decode never connects to your bank and never moves money. it reads only what you give it: the document, and any question you ask about it.
who reads my document?+
Gemini, Google’s AI model. the document goes from our server to Google over an encrypted connection, and Gemini reads it to produce your result. decode is on Gemini’s free tier for now, so Google may keep the request and Gemini’s reply, use them to improve its products, and its reviewers may read them. Google may process it outside the UK. we don’t keep the original once it has been read. without an account your results stay on your device; with one, they are stored on our server in Germany.
does an AI decide what i owe?+
no. the arithmetic is done by a deterministic calculator, so the same document gives the same answer every time. the language model reads the document and explains the result in plain English — it does not decide the numbers.
how accurate is it, and what if it is wrong?+
every figure points to the line it came from, so you can check it against your own document in seconds. when a figure is not in the document, decode says it is not there rather than guessing.
how do i cancel decode?+
there’s nothing to cancel yet: decode is free while it’s in early access. when Pro launches, you’ll cancel in the app in two taps, and the free plan stays.
your turn
Read the one you signed.
no document to hand? the sample is a demo Klarna offer, decoded.
or leave your email, and we'll tell you when it's ready.
one email when there is something to see. nothing else, no sharing, and you can ask us to delete it any time — what we keep.