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Data monetization refers to the process of converting data into measurable economic value. Traditionally, payment providers generated revenue through transaction fees charged to merchants. However, with the rapid advancement of analytics, a new revenue stream has emerged—monetizing payment data to unlock actionable customer insights.
This blog explores how payment data can become a powerful asset, enabling providers to optimize operations, enhance customer experiences, and tap into new revenue opportunities.
To understand the concept better, let’s look at how some platforms are already capitalizing on data:
E-commerce giants like Amazon, Flipkart, and Myntra process thousands of transactions per second. They analyze this transactional data in real-time to deliver differentiated ad experiences during bidding auctions. Customer demographics and behavioral data enable them to offer dynamic pricing and hyper-personalized product promotions.
Online classifieds platforms leverage algorithms to detect when users relocate to a new city. This insight is shared with B2B partners, who use it to offer location-specific services such as home cleaning, packers and movers, or broadband setup.
These examples show how platforms are using data to create value for both consumers and businesses, while opening up new revenue streams in a data-driven economy.
Today, payments are more than just transactions—they’re data events. From payment gateways to card issuers, every player in the ecosystem holds a wealth of insights waiting to be unlocked.
As payment processing becomes commoditized, providers must explore new ways to add value. This is where data monetization becomes a game-changer, helping companies:
Boost profitability
Optimize internal operations
Enhance customer targeting
Introduce new revenue channels
It’s important to note: data is not the product, but a valuable by-product that—when harnessed correctly—can dramatically impact your bottom line.
With the rise of digital transactions, payment providers are in a unique position. They have access to rich datasets about both merchants and consumers. By merging these insights, providers can create tailored experiences and influence consumer behavior through:
Personalized merchant incentives
Consumer finance offerings like cash advances or BNPL (Buy Now Pay Later)
Business management tools and dashboards for merchants
To monetize effectively, payment companies need to:
Identify the types of data they collect
Understand the commercial value of this data
Build scalable business models around it
Go to market with targeted data services
As Christian Low aptly puts it,
“Payment providers that can find ways to monetize their vast wealth of transaction data can seize a powerful opportunity to differentiate.”
Every digital transaction generates granular insights:
What was purchased?
How many items?
At what price point?
Where and when did the transaction occur?
What’s the average spend at that merchant?
Over time, this information builds a comprehensive picture of purchasing patterns, preferences, and behavioral trends. Providers can aggregate this data into merchant-level intelligence or offer it as real-time analytics through API-driven platforms.
Let’s take fashion and retail as an example. Brands can leverage payment and order data to assign a financial score to customers. This is then shared with BNPL players to make informed credit decisions.
Similarly, classifieds platforms use data to predict user life events—like relocation—and offer this insight to businesses selling local services. This ability to contextually target customers is a direct result of smart data utilization.
As digital payments continue to surge, payment providers need more than just processing tools—they need intelligent, future-ready infrastructure to make sense of data and monetize it meaningfully.
At CARD91, we offer a full-stack solution designed to unlock the true potential of your payment data:
Merchant-level analytics and dashboards
Real-time transaction intelligence
Seamless API integration for data-driven services
Custom solutions for data monetization and BNPL enablement
Turn your payment data into a strategic business asset.
With CARD91, data isn’t just a by-product—it’s your next big payoff.
To know more about our offerings connect with our experts
1142, 6th main road, Sector 7, HSR Layout, Bengaluru, karnataka – 560102
Sales: sales@card91.io
HR: careers@card91.io
Media: comms@card91.io
Support: support@card91.io
