The dormant asset
Every dormant card is a funding cost without a return. Issuing, servicing and compliance costs accrue whether or not the card is ever used.
Real-time monetization for payment card portfolios
Every transactiontells a story
ActtraQ turns the authorization moment into activation, engagement, funded offers and verified-spend advertising — across banks, processors and countries, on rails that are already live.
Deployed in 10+ countries · Live on Visa rails and other processors · Integrated at processor level
The moment
776 billion
card transactions a year, on track to surpass 1.1 trillion by 2030
Almost none are monetized before the receipt prints.
Authorization is the one instant when a cardholder is completely present — the decision just made, the phone already in hand, the merchant still in front of them. That attention fades within minutes. The batch file, the statement and the next-day offer all arrive addressed to someone who has already moved on.
Cardholder attention
Purchase authorized
ActtraQ acts
within one second
Time
Batch file
hours later
Statement · next-day offer
the moment has passed
ActtraQ acts while the cardholder is still in the moment — within one second of authorization
Cardholder attention peaks the instant a purchase is authorized and decays within minutes. ActtraQ acts within one second, while attention is still at its highest. Batch files arrive hours later and statements or next-day offers arrive after the moment has passed.
The problem
Banks' cards generate one of the world's most valuable behavioral datasets. Most of it goes unmonetized.
The revenue ceiling
Interchange compression is capping card economics. Revenue per transaction is structurally declining, and portfolio growth alone cannot offset it.
The fragmented visibility
Banks see their own cardholders. Merchants see their own tills. Advertisers see neither — and none of them see it in real time.
What banks did not have was the infrastructure to convert transactions into non-interest revenue that compounds.
The solution
A real-time, connected monetization layer.
ActtraQ operates at the authorization moment across multiple banks at once. Powered by cross-issuer machine learning, it converts verified purchases into activations, engagement, funded offers and advertising — unlocking non-interest revenue for banks, merchants and advertisers alike.
- Live across North America and Latin America, built for global scale
- Embedded in existing payment rails — no rip-and-replace, no new hardware
- 2–6 weeks of integration engineering on portfolios already in circulation
The real-time advantage
Real-time data. Real-time action. Across every bank.
- 01Signal captured
Real-time data at the transaction
The transaction clears. ActtraQ receives a copy at processor level within a second — including verified merchant location drawn from the transaction itself. Most platforms see this signal in an overnight batch. Many never see it at all.
Coverage compounds with every bank and merchant that joins.
- 02Intelligence applied
Cross-issuer intelligence
A single issuer sees only its own cardholders. Without any issuer's data being exposed to another, ActtraQ learns from aggregated, de-identified transaction signals across many issuers — so every participating bank benefits from purchase and engagement patterns no institution could surface on its own.
Single-bank platforms see one portfolio. We see the shape of all of them.
- 03Action delivered
Multiple outputs, simultaneously
Ad placement. Personalized experience. Cross-promotion. Funded offers. Loyalty processing. Pay with Points. Every one of these outputs comes from one signal and one infrastructure layer.
No batch or end-of-day platform can reach this moment. By then, the opportunity is gone.
What we deliver
Four products on one infrastructure layer.
Each one is triggered by the same verified-spend signal, and each one makes the others sharper.
- Live
Cardholder Lifecycle Marketing
Real-time activation, reactivation, retention and upsell — triggered by what cardholders actually buy.
- Live
Funded Offers
Merchant-funded cashback, rewards and incentives, settled against verified spend.
- Live
Pay with Points
Points redemption activated at the moment of verified purchase — not days later.
- Coming soon
Advanced Advertising
Cross-bank CPM placements and CPA campaigns, priced against verified spend.
Powered by
Machine Learning Behavioral Model
Predicting spend behavior, dormancy, frequency and propensity — per cardholder.
- Coming soon
Real-time Marketing Intelligence
Every transaction and cardholder analyzed to generate live performance intelligence.
Proof
A live business, not a prototype.
10+
Countries with live deployments
30+
Countries reachable on existing connectivity
70%+
Estimated visibility into Mexico card transactions at processor level
25M+
Transactions processed annually
Zero
Client losses since inception
Trusted by issuers, processors and networks
Clients using our solutions
Partners
Built onPCI DSSMicrosoft Azure
Who we serve
One signal. Three ways to win.
Issuers & banks
New non-interest revenue on cards already in circulation — without changing a single line of your core.
For issuersMerchants & brands
Reach people by what they actually bought, not by what an algorithm guessed they wanted.
For merchantsProcessors & partners
A new revenue layer on rails you already operate, with connectors that are already built.
For partners
Every transaction tells a story.
Let's talk about what yours is telling you.
Deployed in 10+ countries, live on Visa rails and other processors, integrated at processor level. Tell us about your portfolio and we will show you what the authorization moment is worth.