EVERY TRANSACTION TELLS A STORY
ActtraQ is a real-time, connected monetization layer operating across multiple banks at the authorization moment. Powered by machine learning (ML), it converts verified purchases into activations, engagement, funded offers, and advertising, unlocking non-interest revenue for banks, merchants, and advertisers.
Banks’ cards generate one of the world’s most valuable behavioral datasets,​ yet most of it remains unmonetize
The dormant asset
Every dormant card is a fundingcost without a return.
The revenue ceiling​
Interchange compression is capping ​card economics.
The fragmented visibility
Banks and merchants see only their own transactions. Advertisers, neither in real-time.
ActtraQ turns verified purchase behavior into real-time, connected monetization
Connected across banks, merchants and advertisers, cardholder touchpoints, and countries, building engagement and intelligence over time — the foundation for verified-spend payment media.
Cardholder Lifecycle Marketing
Real-time activation, reactivation,retention, upsell​
Funded Offers
Merchant-funded offers:​
cashback, rewards, and incentives
Pay with Points
​
Points redemption activated atthe moment of verified purchase
Advanced Advertising
Cross-bank CPM placements ​and CPA​
Powered by
Machine Learning Behavioral Models
Predicting spend behavior,dormancy, frequency, andpropensity — per cardholder​​
Real-time Marketing Intelligence
Analyzing every transaction andcardholder to generate real-timeperformance intelligence​
Proven infrastructure powering multiple products today
We embed directly into existing payment rails. ​No rip-and-replace. No new hardware.
Dimensions | Others | ActtraQ |
|---|---|---|
Integration Complexity | 6-12 months, custom builds | 2-6 weeks, plug-and-play APIs |
Consumer Experience | App fatigue, low redemption | Frictionless, high redemption |
Bank Monetization | Batch processing, slow ROI | Per-event fees, with revenue linked in real time |
Merchant Data Access | No visibility into transaction behavior | Real-time transaction insights |
Offer Relevance | Generic | AI-personalized, based on spending history/context |
Engagement Timing | Post-transaction (email/SMS days later) | Real-time at checkout |
Innovation – The real-time advantage
Real-time data. Real-time action. Across every bank .
Signal Captured
​
Real-time data at transaction
The transaction fires. ActtraQ readsbehavioral signal at processor level —including verified merchant location from transaction data. ​
Most competitors see this signal later, andmany never see it at all.
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Coverage compounds with every bank andmerchant that joins
Intelligence Applied
​
Cross-issuer Intelligence
A single issuer sees only its owncardholders. Without any issuer's data beingexposed to another, ActtraQ learns fromaggregated, de-identified transaction signalsacross many issuers, so every participatingbank benefits from purchase behavior andengagement patterns no institution couldsurface on its own.
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Single bank platforms see one portfolio. Wesee all of them.
Action Delivered
​
Multiple Outputs. Simultaneously
Ad placement. Personalized experience.Cross-promotion offer. Funded offers.Loyalty processing. Pay with Points. ​
All of these outputs come from one signaland one infrastructure layer.
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No post-transaction platform can reach thismoment . By then, the opportunity is gone.
Built in Canada. Secured by Design.
Resilience engineering meets bank-grade security.
PCI-Level Encryption. 30+ Countries Visible Microsoft Azure SaaS
