Card-linked offers platform designed to deliver real-time rewards at the point of sale
Intelligent | Connected | Personalized
How does real-time basket intelligence for card-linked offers unlock value at checkout?
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. FIS® Smart Basket uses real-time basket intelligence to create value at the point of sale, unifying offers, payments and loyalty in a single infrastructure.
Drive top-of-wallet engagement without replatforming
Top-of-wallet status requires real-time, item-level redemption with brand-funded value. Smart Basket helps achieve this by linking rewards to actual basket contents, adding brand-funded value without replatforming and scaling easily through modular activation.
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Reduce acceptance costs while growing sales
Meeting margin pressure means using targeted, brand-funded incentives to grow baskets and lower costs. Smart Basket drives basket growth and reduces costs by automatically delivering brand-funded offers, managing stacking rules and providing clean, receipt-backed reporting – all without adding checkout friction or IT lift.
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Prove impact with real purchase data
It’s difficult to measure ROAS and incremental sales without SKU-level, receipt-backed attribution. Smart Basket funds SKU-level offers and provides closed-loop, receipt-backed proof of lift and ROAS at the moment of purchase, reducing waste from generic promotions.
See detailsHow can transaction-level offers transform loyalty programs?
Delayed, generic loyalty programs frustrate customers and businesses. Smart Basket automatically triggers and delivers rewards for any significant customer event – purchase, activation, deposit or milestone – by enabling transaction-level offers that drive incentives throughout the customer lifecycle.
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What enables real-time, behavior-driven rewards across use cases?
From first purchases to bill pay milestones, deposits, retention campaigns and service recovery, Smart Basket powers rewards through a single, programmable transaction-level offer engine that enables real-time delivery, consistency and measurable results for every cardholder interaction.
Make value visible at the point of payment
Traditional awards arrive too late to influence card choice at the time of purchase. Smart Basket triggers real-time, transaction-level rewards for qualifying purchases by merchant, category or spending threshold, sending cardholders an immediate notification tied to their purchase. This makes value more visible to reinforce top-of-wallet behavior instead of burying rewards in a future statement.
Drive engagement though targeted activation rewards
Issuing a card doesn’t always ensure it will be used. Smart basket lets issuers attach an incentive to the first meaningful action, not just activating the card, but completing a first purchase within a defined window. Its rule engine monitors the qualifying transaction and automatically delivers the award.
Activate rewards for qualifying account deposits
Fragmented programs weaken deposit and funding incentives, risking breakage and lost value. Smart Basket turns deposits and account funding into rewardable actions, tracking thresholds and time windows automatically. The platform detects completion and fulfills the reward without manual intervention.
Encourage engagement with bill pay incentives
Driving first-time bill pay usage remains a challenge. Smart Basket can trigger offers when a cardholder completes their first bill payment or reaches a bill pay milestone. This turns bill pay onboarding into a rewarded moment, increasing adoption and engagement.
Deliver retention offers tied to behavior
Retention offers are often reactive, manual and disconnected from usage patterns. Smart Basket enables usage-based and behavior-based retention campaigns, including spending frequency thresholds and monthly usage goals. By tying offers to ongoing behavior, issuers can proactively reinforce engagement while paying only for completed actions.
Resolve service recovery issues quickly and digitally
Inconsistent service recovery credits can turn one bad experience into another. Smart Basket lets issuers instantly issue service credits when a problem occurs. Credits are delivered digitally with immediate confirmation and fulfillment, making recovery fast and reliable without one-off processes or operational overhead.
Do existing FIS platforms power payment savings within 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 components, it provides real-time, item-level intelligence to simplify checkout, drive savings and enable future-ready capabilities.
How Smart Basket drives timely, relevant deal alerts at scale
- Intelligent notifications: Send timely, targeted deal alerts based on customer-selected preferences, ensuring relevant offers reach the right audience at the right time.
- Spending insights: Utilize everyday transaction patterns to better understand customer interests and connect them with aligned promotions.
- Brand connections: Align customer brand preferences with participating retailers to uncover competitive discounts and strengthen partner relationships.
- Savings support: Help customers plan purchases around savings goals by matching available offers to expected spending.
- Interest tracking: Review purchase activity to identify emerging interests and trigger relevant promotions within digital banking channels.
How Smart Basket helps streamline promotion and payment execution
- Deal automation: Automate the application of eligible discounts and promotions at checkout to improve operational efficiency and transaction speed.
- Eligibility verification: Determine account or program eligibility for manufacturer incentives, loyalty rewards and specialized payment coverage before processing purchases.
- Discount accuracy: Help ensure all applied offers are used correctly and consistently, maintaining compliance and reducing operational errors across transactions.
- Payment routing: Optimize transactions across multiple payment methods, including split payments to enhance merchant efficiency and cost management.
How Smart Basket can turn customer data into smarter engagement
- Benefit summaries: Deliver automated, personalized summaries of customer benefits history to enhance engagement.
- Profile optimization: Continuously update customer profiles to drive smarter targeting and tailored incentives.
- Targeted engagement: Use behavioral and historical data to inform follow-up strategies and strengthen customer relationships.
Meet 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 basket intelligence.
Smart Basket
Offer orchestration combines issuer rewards, brand coupons and retailer promos into one compliant instruction
AI and machine learning models power next-best offer, segment evolution and cross-channel message selection
How to turn every purchase and interaction into measurable value
Transaction-level offers deliver card-linked rewards for nearly any customer action. You define the qualifiers, triggers and rewards, while FIS® Smart Basket monitors these rules in real time and delivers rewards automatically via SMS or email with no app download or register changes required.- No POS integration required
- Issuer support across segments
- Cross-vertical compatibility
- Flexible funding models
- In-store and digital reach
How does Smart Basket configure transactional-level offers?
Transaction-level offers can be configured using familiar, simple rules. With Smart Basket’s incentives engine, the right combination of payments, rewards and brand-funded offers is applied automatically to qualifying actions.
What each rule determines
Sample offer for issuers
Sample offer for merchants
Which engagement events can transaction-level offers target?
Transaction-level offers work for any qualifying event – card activation, deposit milestones, first bill pay, retention or service recovery – using the same configurable rules and fulfillment flow. Merchants can also launch campaigns to drive the behaviors they care about without data changes, register updates or POS integration.
Full cardholder lifecycle
Sample offer
Merchant-funded campaigns
Sample offer
How do proven FIS components power Smart Basket?
Built as a cloud-native, modular platform, Smart Basket integrates traditionally siloed capabilities – loyalty, coupons and routing – into a single infrastructure compatible 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 pay-with-points and cash-back redemption at checkout, turning rewards into real buying power. Cardholders can use points or cash back across thousands of online and in-app merchants, including anywhere PayPal® or Apple Pay® is accepted.
Filtered Spend as a Service
Enable precise eligibility and spending control
FIS® Filtered Spend as a Service™ 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
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 basked 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 Payments 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.
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 basket intelligence.