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‹User Data

Personalize with what customers buy, with their consent.

Travel, dining, retail and lifestyle insights from card purchase behavior, so every offer, feed and message fits the person seeing it.

TRAVEL
Trip likely in 3 weeks
DINING
Restaurant explorer
RETAIL
Premium outdoor brands
LIFESTYLE
Outdoor adventure
MOMENTUM
Dining spend rising
FINANCIAL
Mostly pays digitally
AR
Picked for you
Hi Alex
Opted in
Trip for you
Lisbon, 4 nights
Boutique hotel · flights included
Because
You have a trip coming up
$1,240

Six groups of insight. One consented profile.

With the customer’s opt-in, PayOS returns insights derived from card purchase behavior, grouped so they drop straight into your personalization.

What you get back
Alex Rivera · opted in
✓
Travel
Upcoming trips, hotel stays, preferred airlines
Included
✓
Food & beverage
Cuisine, eating out, delivery habits
Included
✓
Retail
Top categories, brands, shopping times, ticket size
Included
✓
Lifestyle
Wellness, outdoors, luxury, small business owner
Included
✓
Behavioral
Spend momentum, merchant loyalty, next likely category
Included
✓
Financial
Spend patterns, top categories, digital payment use
Included
Illustrative profile. Alex Rivera is not a real person.
Consent first
Built around the customer’s opt-in.
Explicit opt-in
Scope, retention and revocation disclosed
Enroll the card
A unique card ID replaces the card number
Request insights
On demand, or when an event triggers
Revoke anytime
Delete the enrollment, then purge data
Privacy by design
You never store the card number
Clear use limits
Never for credit or adverse decisions

One insight. Every customer moment.

CUSTOMER MOMENTS
Offer · travel
Upcoming tripLikely
Hotel tierPremium
Show a full-experience package
A trip is likely
Travel offers
→ Show a full-experience package

When to use it.

Each card is a problem this check solves.

01
Generic offers nobody clicks
OfferGeneric 10% off
Click rateLow
✓Tailor offers to real purchase behavior.
02
Cookies are disappearing
Third-party cookiesBlocked
Purchase insightsAvailable
✓Insights come from purchases, not browsing.
03
Data stuck in one ecosystem
Your dataYour app only
With PayOSAcross categories
✓See interests beyond your own app.
04
Promotions at the wrong moment
TripIn 3 weeks
Send offerNow
✓Predict upcoming trips and spend periods.
05
High-value customers look like everyone else
Hotel tierPremium
Spend decileTop 10%
✓Spot premium hotel stays and fine dining.
06
Consent handled ad hoc
Opt-inRecorded
RevokeOne tap
✓A consent-first flow with clear revocation.

Decide with confidence.

Better targeting
Reach the customers most likely to buy.
More repeat purchases
Offers timed to real spend patterns.
Personal feeds
Recommendations that fit each customer.
Consent first
Opt-in, revocation and use limits built in.