Turn every purchase into targeted engagement on one intelligent offers network
Real time | Intelligent | Automated
How does real-time, item-level intelligence turn offers into measurable value?
Despite ongoing investment in loyalty and rewards platforms, friction remains high and engagement often falls short. Customers want instant savings without complexity, while issuers, merchants and brands struggle to target and measure incentives effectively. The FIS® Smart Basket network uses real-time, item-level intelligence to deliver targeted offers, unifying delivery and measurement across one network.
Drive top-of-wallet engagement without replatforming
Issuers can activate targeted offers without POS integration, app downloads or replatforming, beginning with issuer-funded, transaction-triggered offers and expanding into item-level, multifunded engagement over time. The Smart Basket network gives issuers a single network to launch fast, prove ROI and expand without rebuilding.
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Reduce acceptance costs while growing sales
Margin pressure demands smarter incentives, not more discounts. Smart Basket automatically delivers brand-funded, item-level offers that grow basket size and lower acceptance costs with clean, receipt-backed reporting and no added checkout friction or IT lift.
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Prove impact with real purchase data
Measuring ROAS and incremental sales is difficult without SKU-level, receipt-backed attribution. Smart Basket lets brands fund and deliver SKU-level offers with closed-loop proof of lift and ROAS at the moment of purchase, reducing waste from generic promotions and replacing estimates with real transaction data.
See detailsReal-time offers are changing payment behavior
of consumers notice payment-linked offers
of consumers say real-time savings would influence behavior
of millennials would choose the card that gives them access to real-time offers
Rethinking the path to purchase
AI agents are reshaping the path to purchase, creating new opportunities for issuers to stay relevant at checkout. Insights from Mladen Vladic, Head of Product at FIS Payment Networks, highlight why real-time intelligence and more connected offer orchestration will matter in the next era of commerce.
When can Smart Basket deliver personalized, real-time offers?
Traditional incentive programs are delayed, generic and hard to measure. Smart Basket replaces them, letting issuers easily configure and deliver targeted, real-time offers – whether it’s a purchase, activation, deposit or milestone – on a single network with measurable results at every interaction.
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How do proven FIS components power Smart Basket?
Smart Basket makes savings simpler, delivering the right offer, funding source and value to eligible items at the exact moment of payment. Built on proven FIS infrastructure, it enables sharper targeting, precise measurement and greater relevance for every offer.
See detailsMeet the businesses we serve
Turning payment data into intelligence
Rapidly evolving digital commerce is pushing financial institutions, sellers and brands to rethink how value is delivered. By integrating payment systems, loyalty programs and detailed spending data, you can create more personalized, efficient experiences that drive growth and deepen relationships across the ecosystem.
Explore all the financial technology products FIS has to offer
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Let’s keep our conversation going
Learn more about how FIS can help you optimize your payments strategy and drive value through seamless digital experiences, powered by real-time, item-level purchase intelligence.
Smart Basket™
Offer orchestration unifies issuer-, merchant- and brand-funded offers into a single, compliant transaction to automatically resolve conflicts and apply stacking rules
AI and machine learning power next-best offer selection, audience segmentation and cross-channel delivery optimization
How to turn every transaction into measurable value
FIS® Smart Basket Transaction-level Offers (TLO) and the Smart Basket network are two distinct offerings. Deploy Smart Basket TLO on its own to deliver targeted, transaction-level offers directly to consumers – without POS or checkout integration – or connect to the full item-level network across issuers, merchants and brands.- No POS integration required
- Client-controlled campaigns
- No merchant counterparty required
- Real-time offer delivery
- Item-level offer matching at checkout
- Single API configurable capabilities
- Real-time activation within the authorization flow
- Issuer-, merchant- and brand-funded offer support
- AI-powered orchestration across payment and offer types
Target any qualifying customer behavior
Smart Basket TLO lets issuers launch targeted offers for any qualifying action – from card activation to deposits, bill pay and retention – with no integration required. The full Smart Basket network includes every TLO behavior and adds item-level offers matched to individual products at checkout.Card activation and first use
Accelerate adoption by rewarding early actions
Smart Basket recognizes a participant's earliest program milestones – card activation, first purchase and onboarding – and delivers incentives automatically as the qualifying activity happens. By tying rewards to the moments that signal real engagement, Smart Basket helps increase participation and build stronger, longer-lasting customer relationships.
Shopping, basket and category growth
Shape buying decisions as they happen
Smart Basket TLO triggers real-time offers based on merchant or spending threshold, while the full Smart Basket network adds product-specific and basket-composition targeting. By making added value visible at the point of decision, it encourages larger baskets, lifts conversion and turns routine spending into measurable commercial results.
Deposits and account funding
Turn deposit and account funding into lasting engagement
Smart Basket makes deposits and funding events qualifying actions that earn rewards. The issuer verifies each event upstream, then Smart Basket delivers and fulfills the offer automatically. It converts routine account activity into a path toward deeper, more active relationships by rewarding customers for funding sooner.
Bill pay
Encourage engagement with bill pay incentives
When the issuer confirms a first bill payment or bill-pay milestone, Smart Basket delivers and fulfills the offer automatically. Rewarding these behaviors helps drive digital payment adoption and stronger long-term customer participation.
Customer acquisition
Convert prospects into active customers
Smart Basket helps you acquire new customers by attaching rewards to key acquisition milestones. Incentives are delivered only after qualifying actions occur, creating a measurable value exchange that improves campaign effectiveness, increases conversion rates and strengthens attribution across acquisition initiatives.
Retention, loyalty and repeat engagement
Strengthen relationships with behavior-driven rewards
Smart Basket enables you to reward behaviors that signal loyalty, from repeat purchases to re-engagement, releasing each incentive only when the desired action occurs. Recognizing these moments as they happen helps sustain ongoing participation and deepen customer relationships over time.
Service recovery
Rebuild trust with automated recovery incentives
When an issue is flagged, Smart Basket issues service credits and recovery offers automatically with immediate confirmation to the cardholder. Resolving problems quickly and consistently rebuilds trust, improves satisfaction and strengthens relationships after service disruptions.
Proven FIS capabilities power the savings inside Smart Basket
Built on a cloud-native, modular architecture, the Smart Basket network brings traditionally siloed capabilities – loyalty, coupons and routing – together as one network with existing rails to simplify payment processing, analyze transactions and deliver targeted promotions.Premium Payback
Turn rewards into instant buying power
FIS® Premium Payback enables real-time reward redemption at the point of sale, giving cardholders the ability to use points, cash back or miles at checkout in store or online. Rewards can be applied at thousands of participating merchants, including PayPal®, with Apple Pay® support available as statement credit where eligible. This increases cardholder engagement while helping issuers deepen wallet share and manage loyalty program costs.
Filtered Spend
Enable precise eligibility and spending control
FIS® Filtered Spend ensures benefits and restricted-spending programs apply only where they should, reducing leakage and improving compliance. Issuers can validate every item in real time and support split-tender purchases. Merchants receive line-item data to check each product against program rules for accurate eligibility enforcement.
NYCE Payments Network
Optimize transaction routing and performance
NYCE® Payments Network delivers smart routing and resilient transaction processing to reduce acceptance costs and improve approval performance. It enables targeted, brand-funded incentives and simplified promo stacking without slowing lanes or requiring POS changes, with receipt-level reporting for clear, measurable results.
Resources
The intelligent way to shop and pay e-book
Intelligent AI agents elevate everyday shopping convenience and empower your financial institution to deliver highly personalized value with every purchase.
Shared success from search to sale e-book
Dynamic item-level intelligence connects shoppers, brands, retailers and issuers, enabling orchestrated offers and payments to optimize purchase decisions and loyalty outcomes.
Remaking the payments ecosystem tip sheet
Integrated item-level intelligence empowers institutions and brands to analyze spending patterns, streamline systems and deliver more efficient, rewarding experiences.
Driving a new era of value creation across payments Q&A
David Keenan, Global Head of Payment Networks at FIS, explains how digital technologies help card issuers, retailers and brands unlock more value from every purchase transaction.
Millennial customer journey
Strategic maximizer relying on smart tools and alerts to compare offers quickly, manage household spending and optimize value across expenses, investments and payments.
Retired customer journey
Traditional shopper preferring in-store experiences and physical cards, with Smart Basket automatically applying discounts at checkout.
Millennial e-commerce customer journey
Value-focused shopper benefitting from seamless discount application, with coupons and personalized offers automatically applied and new deals activated as needed.
Generation Z customer journey
Reward-driven shopper completing purchases quickly with discounts and rewards applied automatically, removing the need for physical coupons or manual code entry.
Savings customer journey
Budget shopper managing in-store purchases using a personalized list with all available discounts applied at checkout for more efficient, optimized savings.
FAQ
What is Smart Basket, and how does it work?
Smart Basket is an intelligent offers network that connects issuers, merchants and brands to deliver targeted, item-level offers using real-time purchase intelligence at the moment of payment.
Is Smart Basket TLO the same as the Smart Basket network?
No. Smart Basket TLO and the Smart Basket network are distinct offerings. Smart Basket TLO is a standalone engine that delivers targeted offers at the transaction level, sent directly to consumers via digital channels such as SMS or email, without POS or checkout integration. The Smart Basket network is the full item-level platform, connecting issuers, merchants and brands as direct parties through a single integration to match and apply offers to individual items at checkout. They run independently, so a client can adopt TLO on its own or connect to the complete network.
How do transaction-level and item-level offers differ?
Transaction-level offers trigger on qualifying purchases by merchant, category or spend threshold with no integration required. Item-level offers apply the right offer to each item at checkout.
Who can fund offers through the Smart Basket network?
Issuers, merchants and brands can all fund offers on one network, with orchestration that unifies each funding source into a single, compliant transaction.
Can issuers launch offers without point-of-sale integration?
Yes. Transaction-level offers let issuers deliver targeted, real-time offers via SMS or email without POS integration, app downloads or register modifications.
How does offer orchestration manage overlapping promotions and stacking?
Offer orchestration unifies issuer-, merchant- and brand-funded offers into one compliant transaction, automatically resolving conflicts and applying stacking rules across the network.
Let’s keep our conversation going
Learn more about how FIS can help you optimize your payments strategy and drive value through seamless digital experiences, powered by real-time, item-level purchase intelligence.
Research report
FIS and PYMNTS Intelligence surveyed 2,754 U.S. consumers to uncover how shoppers discover, assess and act on offers – and why discounts often fail to close a sale.
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