Turn transactions into targeted engagement with an intelligent offers platform
Real time | Intelligent | Automated
How does real-time transaction 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. FIS® Smart Basket uses real-time transaction intelligence to deliver targeted offers, unifying payments, offer delivery and measurement in a single platform.
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. Smart Basket gives insurers a single platform 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 detailsWhat can issuers activate with Smart Basket?
Traditional incentive programs are delayed, generic and hard to measure. Smart Basket enables issuers to trigger targeted offers for any qualifying customer action – whether it’s a purchase, activation, deposit or milestone – and deliver them instantly without manual fulfillment or an app.
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What enables real-time offers across the cardholder lifecycle?
From first purchases to bill pay milestones, deposits, retention campaigns and service recovery, Smart Basket lets issuers easily configure and deliver targeted, real-time offers through a single platform with measurable results at every interaction.
Drive engagement through targeted activation offers
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. The rule engine monitors the qualifying transaction and automatically delivers the offer.
Make value visible at the moment of purchase
Traditional incentives arrive too late to influence card choice at the point of purchase. Smart Basket triggers real-time, transaction-level offers for qualifying purchases by merchant, category or spending threshold, sending cardholders an immediate notification tied to their purchase. This makes value visible in the moment instead of burying it in a future statement.
Activate offers for qualifying account deposits
Fragmented programs weaken deposit and funding incentives, risking breakage and lost value. Smart Basket turns deposits and account funding into qualifying actions, tracking thresholds and time windows automatically. The platform detects completion and fulfills the offer 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 high-value engagement moment, increasing adoption and usage.
Deliver retention offers tied to behavior
Retention offers are often reactive, manual and disconnected from usage patterns. Smart Basket enables usage-based and behavior-driven 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 fast 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 infrastructure, it enables sharper targeting, precise measurement and greater relevance for every offer.
Proven infrastructure, compounding value
Digital credits processed
Activation rates
More cost-effective than cash or gift cards
Help desk call volume
How Smart Basket manages offer delivery, payment execution and targeting at scale
- Deal automation: Drive efficiency and faster transactions by automating eligible offer and promotion applications at checkout.
- Eligibility verification: Verify account or program eligibility for manufacturer incentives, issuer-funded offers and specialized payment coverage before processing purchases.
- Discount accuracy: Ensure all offers are applied correctly and consistently to maintain compliance and reduce transaction errors.
- Payment routing: Improve merchant efficiency and cost control by optimizing transactions across multiple payment methods, including split payments.
- Transaction notifications: Trigger targeted offer alerts based on real-time transaction data and customer preferences, reaching the right cardholder through digital banking, SMS or email at the optimal moment.
- Precision targeting: Use item- and transaction-level purchase data to drive targeted offers, increase activation rates and uncover insights beyond what traditional CRMs and engagement platforms provide.
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 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 enables targeted offers tied to individual purchases, driving more precise measurement and improved offer relevance.- No POS integration required
- Issuer-funded
- No merchant counterparty required
- Real-time transaction-triggered 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
Issuers, merchants and brands can launch targeted incentives for any qualifying action with Smart Basket’s configurable engine to accelerate acquisition, spending and engagement.
Issuers
Win at crucial moments by delivering instant, tailored value that strengthens engagement, drives activity and keeps your card top-of-wallet.
- Card activation and first use
- Shopping and everyday spending
- Deposits and account funding
- First bill pay
- Ongoing usage and retention
- Service recovery
- Loyalty program engagement
Merchants
Turn checkout into a strategic advantage by boosting conversion and engagement while helping reduce payment friction and costs.
- Bigger baskets
- More trips or visit frequently
- New customer acquisition
- Category growth
- Retention or win-back
- Seasonal or event-driven
Brands
Replace broad discounting with targeted incentives that improve relevance, measurability and attribution.
- Product conversion
- Basket inclusion
- Category growth
- New customer acquisition
- Repeat purchases
- Customer engagement
- Promotional efficiency
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 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 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.
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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