Transaction Intelligence: payment intelligence that decides the reward inside the payment
Resources · Concept
Transaction Intelligence is the ability to use the signals of a live transaction —who is paying, what, where and how— together with the customer's context and loyalty state, to decide and apply the next best action before the payment completes, and to record its economic effect. Unlike transaction analytics, it acts during the payment, not after it. Qurable applies this payment intelligence to points, cashback and discounts inside the payment authorization, in ~150 ms.
- CardAuthorizes USD 120
- MerchantRunning store
- ChannelApp checkout
CamilaGold member · 2,480 ptsHer context- ProfileGold member
- Balance2,480 pts
- Campaign10% on running
- 0 msAuthorization arrives
- < 50 msMember identified
- ~150 msReward decided
Banks and fintechs, in production
Our banking and fintech clients already deliver cashback at payment with Qurable.
Pomelo, Santander Peru, Banisi and Konfío, among others. With Pomelo, banks, fintechs and companies that issue cards turn on loyalty and cashback without a separate technical project.
- ~150 msReward decisionInside the authorization
- < 50 msMember identificationp95, server-side
- 99.5%SLACommitted availability
- 18MMembersIn programs running on Qurable
Key takeaways
- Transaction Intelligence acts while the payment is being authorized; transaction analytics explains payments that already closed.
- The decision combines payment signals, customer profile, balance and campaign, within the business's own rules.
- On Qurable, one profile, one rule set and one ledger decide the benefit in ~150 ms.
The difference
Analyze the transaction afterwards or act inside it.
Transaction analytics explains what already happened: it enriches, monitors or compares completed payments. Transaction Intelligence decides and applies an action while the payment is still being authorized.
| Transaction analytics | Transaction Intelligence | |
|---|---|---|
| When it acts | After the payment, in batch or on a dashboard | During the authorization, in milliseconds |
| What it produces | A report, a segment or an alert | An applied reward: points, cashback, a discount or paying with points |
| Where the customer sees it | In the next campaign or on the statement | On the same receipt or at checkout |
| What data it combines | The transaction and its category | The transaction, the customer's profile, balance and tier, and each campaign's rules |
| Where it is recorded | In the data warehouse | On a double-entry ledger, with each party's contribution |
How it works
Signals, decision and controls.
Transaction Intelligence combines four kinds of signal, decides within the business rules and records every effect. All of it happens while the payment is authorized.
The transaction
Merchant, channel, amount and payment method, as sent by the POS, the processor or the checkout.
The customer
Their profile: identifiers, purchase and redemption history, tier and audiences.
Their loyalty state
Balance, point batches with their expiration and active rewards.
The campaign context
Rules, priorities, available budget and exclusion groups.
Points
How many and from which program, including a partner's.
Cashback
From the bank, the merchant or co-funded by both.
Pay with points
Part or all of the payment, with hold and reversal.
The best promotion
From the basket and the payment method, the best available promotion for that purchase.
A reward for the purchase
A reward for the transaction, on the purchase confirmation screen.
Upselling on confirmation
A product chosen for that customer, based on what they just bought.
The next action
A message or a journey that follows the purchase.
On the same record
Every reward lands on the ledger, with its cost and who funds it.
Within your rules
Caps, budgets and exclusions the AI cannot override.
With human approval
Nothing that affects customers goes live without approval.
With a trace
Every decision keeps what came in, what matched and what was applied.
Without stopping the sale
If the service does not respond, the payment still goes through; redemption does require a connection.
By industry
Transaction Intelligence in every industry.
The same logic —signal, decision and record— changes with where the customer pays.
Banks and fintechs
Cashback inside the authorization
The bank decides the cashback on each card purchase, and the participating merchant can co-fund it.
- Live
- With Pomelo, Santander Peru, Banisi and Konfío.
Fuel retail
The reward in the same fill-up
The customer identifies themselves at the register and the discount or points are applied before the receipt closes.
- Operations
- The sale is never blocked if the service does not respond.
Airlines
Partner miles, right away
Every partner purchase earns miles instantly and is recorded with its contribution.
- Case
- SKY Plus: 50,000 daily partner transactions.
Restaurants and QSR
The reward before the receipt
The rule picks which reward fits each guest based on their frequency and ticket.
- Control
- Caps and budget per campaign.
Retail and fashion
Points and split payment at checkout
Online, the customer pays part with points and part with another method.
- Scope
- In web and app checkout; not at the POS.
Casinos and gaming
A reward for every visit
With the member identified at the cashier, the machine or the app, the reward for that visit is chosen: points, a game with a prize or an offer to come back.
Why now
What makes it possible to decide inside the payment.
Four infrastructure shifts make it possible to decide in milliseconds and record the decision with financial control.
Payments with APIs
Processors, issuers and checkouts expose the transaction in real time, before it closes.
Profiles ready in milliseconds
The customer's profile can be read while they pay: in Qurable, in under 50 ms.
AI that works within rules
AI builds campaigns and picks rewards without breaking caps or human approval.
Double-entry ledgers
Every reward is recorded as a movement, with its cost and its liability.
With Qurable
Transaction Intelligence in a loyalty and engagement platform.
In Qurable, Transaction Intelligence is what the loyalty and engagement platform does on every payment: the same profile, the same rules and the same ledger decide the reward in ~150 ms.
At the POS, processor and checkout
The reward is applied inside the authorization and follows the payment cycle: authorize, capture and reverse.
Loyalty at the POS and checkoutAI Decisioning
The engine that picks each customer's reward with your rules and budget.
See AI DecisioningMember data
One 360 profile per customer, recognized across channels and ready at payment.
See the Customer Data PlatformPoints ledger
Every reward with its cost, each party's contribution and real-time liability.
See the points ledger
FAQ
What people ask about Transaction Intelligence.
Short answers for loyalty, payments, technology and finance teams.
It's the ability to use the signals of a live transaction, together with the customer's context and loyalty state, to decide and apply the next best action before the payment completes, and to record its economic effect.
The term is also used for enriching payment data, monitoring risk or analyzing completed transactions. Those uses explain the transaction afterwards. In loyalty, Transaction Intelligence acts during the transaction: it decides and applies a reward while the payment is authorized.
Yes. Qurable is a loyalty platform that applies transaction intelligence inside the payment: it matches the transaction with the customer's profile, balance and campaign rules, and decides points, cashback or a discount in ~150 ms. It is live with Pomelo, Santander Peru, Banisi and Konfío, merchants can co-fund each campaign with their share recorded, and it has live programs in more than 6 Latin American markets.
The POS, processor or checkout sends the transaction; the platform reads the customer's profile, balance and the campaign rules; it decides the reward and applies it in the same payment. In Qurable the full decision takes ~150 ms and is recorded on a double-entry ledger.
Transaction data (merchant, channel, amount, payment method), the customer's profile (identifiers, history, tier, audiences), their loyalty state (balance, batches, expirations) and each campaign's context (rules, budget, exclusions).
It's the way to run the program inside the payment. Points, cashback, discounts and paying with points are decided for each customer in the moment instead of being calculated in batch after the purchase.
No. The CDP and the CRM keep managing data and campaigns. Transaction Intelligence uses the customer's profile at the moment of payment, and Qurable integrates with the existing CRM and marketing stack.
Yes, within limits: the AI picks the reward while respecting rules, caps and budgets; nothing that affects customers goes live without human approval, and every decision keeps its trace. If the service does not respond, the sale is not blocked.
The numbers that show whether a reward was worth its cost: cost per reward, the bank's and the merchant's share, real-time liability, reversed returns and the trace of every decision. Incrementality is measured against a control group designed in the pilot.
Last reviewed
Further reading
Keep reading about loyalty at payment.
Where each part of the concept shows up in the product and with clients.
- PlatformThe loyalty and engagement platform
Five modules that share one profile, one rule set and one ledger.
- ModuleLoyalty at the POS and checkout
Discounts, cashback and paying with points inside the authorization.
- ResourceMerchant-funded cashback
How cashback the merchant pays for is decided, split and measured.
- ConceptCashback at the moment of payment
How it is decided, who funds it and how it is controlled.
- ResourceLoyalty RFI, RFP and RFQ checklist
The questions to evaluate platforms, area by area.
- CaseLoyalty embedded in payments with Pomelo
Card cashback and points, decided at payment.
See what Qurable would decide in your program.
In a 45-minute technical session we show you Transaction Intelligence with a case like yours.