Skip to content
ACTTRAQ

For issuers & banks

New revenue on cards you have already issued.

Non-interest income from portfolios already in circulation — without touching your core, and without sitting in the authorization approval path.

Interchange compression caps the economics of every card you have already issued.

The cost of issuing, servicing and carrying a card is fixed. The revenue per transaction is not, and it is moving in one direction. Growing the portfolio does not solve a per-transaction problem — and a dormant card costs the same as an active one while returning nothing at all.

  • Revenue from cards you already carry

    Activation, engagement, funded offers and advertising on portfolios already in circulation. You do not need to issue a single new card to move the number.

  • Rewards you do not fund

    Merchant-funded offers mean the incentives that drive spend are paid for by the merchants that benefit from them, rather than out of a margin that is already compressed.

  • Intelligence you could not build alone

    Cross-issuer models surface purchase patterns no single portfolio contains — without your cardholder data ever being exposed to another institution.

  • Integration your team will actually accept

    Two to six weeks of integration engineering on plug-and-play APIs, alongside your core rather than in front of it. Nothing the platform does can decline, delay or alter a payment.

What an issuer actually gets.

  • Non-interest revenue on portfolios already in circulation
  • Dormant and near-dormant reactivation with measured qualification rates
  • Per-event economics you can attribute directly to a campaign
  • Tokenized, PCI-scoped and auditable end to end

Commercial model

Three revenue lines, one integration.

ActtraQ is priced as infrastructure rather than as a campaign. What you pay for the platform is separate from what the platform earns you — and the funded lines are paid for by the merchants and brands that benefit from them.

  • Platform subscription

    A recurring fee for the platform, the connector and the models running against your portfolio.

  • Transaction-based

    Pricing attached to the activity the platform generates, so what you pay tracks what it delivers rather than the size of the portfolio.

  • Funded offers and advertising

    Merchant-funded offers and verified-spend advertising are paid for by the merchants and brands buying the placement. For you they are a revenue line, not a cost line.

Exact structure is set per deployment. We scope it at kickoff alongside the technical work.

Most relevant solutions

Put a number on your dormant segment.

Give us the shape of your portfolio and we will show you what a first campaign would realistically move.

Talk to usSolutions