For card networks
Transaction volume is shifting away from your rails.
UPI's default. Every lost transaction compounds. SpendOS influences instrument choice at payment.
The problem
Three problems.
One platform solves them.
UPI wins by default. Every single tap.
Every time someone scans a QR code on UPI instead of tapping their card, that's a transaction your rails didn't get. Individually small.
Your budget is sprayed. Not aimed.
Most of your cashback and reward spend reaches people already committed to using their card. You're rewarding the loyal — not converting the drifters.
Did the customer tap the card because of the cashback? Or habit? Billions spent on incentives every year — with no way to measure what actually changed behaviour.
Transaction Steering Engine
Fires network-funded incentives at the instrument-selection moment — the two-second window before a user taps. Not a notification. Not a campaign. A live, real-time intervention.
Card Prioritisation Logic
Works with issuer stacks via API to surface your network's card at the right time — across bank apps, fintech wallets, and PSP checkouts.
Incentive Optimisation
Deploys incentive budget where it has the highest probability of changing instrument choice — at users drifting to alternative rails, not loyal cardholders already committed.
Network Analytics
Transaction share movement, incentive ROI, spend steering attribution — per cohort, per surface, per issuer. Measure what actually moved behaviour.
Built for network-grade deployment.
Designed for how networks actually deploy.
API to incentive infrastructure
SpendOS connects via API to the network's existing incentive deployment infrastructure — and to every issuer already running SpendOS on the same network. No new issuer integrations required.
No consumer-facing UI
Network integration is entirely backend API. SpendOS is never seen by the cardholder — only its effect is. Your issuer surfaces control the experience. SpendOS powers the intelligence.
Data sovereignty compliant
Full audit trail. Every incentive decision logged. Every steering event recorded. Compliant with network-level data governance requirements.
Traditional Approach
Many offers — no decision at instrument selection
Fragmented issuer programmes — inconsistent execution at scale
Blocked by infra constraints — slow adoption, limited control
With SpendOS
One decision per transaction — network-level instrument steering
Network-wide programmes — coordinated across every issuer on the stack
Deploy with audit and data control — no rebuild, no sovereignty risk
The impact
How SpendOS Creates ROI
SpendOS helps card networks influence transaction behavior before users default to competing payment rails.
Increase transaction share
Drive issuer and customer preference toward network-linked payment instruments.
Improve issuer engagement
Enable programmable campaigns and incentives across partner banks and ecosystems.
Reduce rail leakage
Influence transaction decisions before payment choice shifts toward alternative rails.
Launch ecosystem-wide campaigns
Coordinate merchant, issuer, and customer engagement through a unified value layer.
Improve activation and usage
Increase card activation, repeat usage, and transaction frequency.
Measure network influence
Track campaign performance, transaction behaviour, and influenced volume across ecosystems.
The integration
API-only. No issuer rebuild.
No merchant or consumer-facing UI required. Network integration is entirely via API and existing issuer surfaces.
Connect
Network incentive infrastructure. SpendOS connects via API to your existing incentive deployment infrastructure and every issuer already on the SpendOS network.
Configure
Incentive Optimisation rules. Set cohort targets, incentive budgets, and steering logic from the Console. Deploy network-wide without coordinating individual issuer campaigns.
Optimise
Network Analytics dashboard. Transaction share movement, incentive ROI, spend steering attribution — per cohort, per issuer, per surface.
Built right
The infrastructure your network compliance team expects.
100ms steering decisions
Every incentive decision completes before the instrument is selected. Zero latency — built for network transaction volume.
Full audit trail
Every steering event logged. Every incentive decision recorded. Data sovereignty compliant. Your environment. Your governance.
99.99% uptime SLA
Enterprise-grade reliability at network scale. Built for the volume and criticality of card network transaction infrastructure.
ROI FAQ
Why would card networks pay for SpendOS?
Where does the ROI come from?
Does SpendOS replace issuer-run campaigns?
How do networks engage with SpendOS commercially?
What should networks measure first?
How does this help with competing payment rail pressure?
