Payments built for retail
Turn everyday purchases into loyalty and revenue
Branded cards, payments, and rewards give shoppers reasons to come back.
retail under pressure
The challenges retailers bring to us — and how we solve them
Declining loyalty
Loyalty is declining, and it's costing you
True brand loyalty fell to 29% in 2025, its steepest decline in five years. 60% of consumers switched away from a brand they were loyal to over cost.1 Points alone no longer change behavior.
Embed a branded card directly into your web and app experience — every purchase becomes a loyalty moment rather than a points statement customers ignore.
Acquisition cost
Acquiring new customers keeps getting more expensive
Paid social, search, affiliate – every channel that used to be cheap gets more competitive every year, with no sign of reversing. Growth built on acquisition alone means paying more each year just to stay even.
Earn more from the customers you already have by turning your most engaged shoppers into cardholders who transact with your brand well beyond the checkout.
Aging technology
A card program built for a different era can't keep up
Many retail programs were set up before mobile-first shopping, real-time data, and in-app expectations. Adding features is slow, customer behavior is hard to see, and the program can’t move at the speed of your business needs.
Move to modern, flexible infrastructure that fits a digital-first business, and add it alongside what you already run rather than replacing your core.
Switching cards
Shoppers abandon the card, not the store
60% of consumers aged 25 to 44 want more flexible payment options.2 When your card doesn't offer them flexibility, they reach for one that does – and that card becomes the one they always reach for.
Issue one branded card that switches between debit, credit, and BNPL in real time. Customers get the flexibility to pay how they want. You get the card they always reach for.
Your card can do more for your business
How retail brands turn payments into growth
Co-brand cardholders spend 2.7x more than non-cardholders.3 A modern co-brand credit program pairs personalized rewards with real-time spend data and instant decisioning — giving you more ownership of your program, your data, and the customer relationship.
Tailored customer experiences
Solutions that fit your business model
Choosing the right partner
The difference between a program that launches and one that lasts
Plenty of platforms can issue a card. Fewer can tell you what happens when you enter a new market, add a second product or hit volume you didn’t plan for. We guide you through the banks, the networks, and the compliance that comes with running a card program – from the first transaction to international scale.
Launch with risk managed
One platform, every program
The expertise to execute
Learn from the front lines of payments
The right card program is closer than you think
You don’t need a plan to start a conversation — our experts help you build one.
Frequently asked questions
- SAP Emarsys Customer Loyalty Index, 2025
- State of Payments, 2025
- Marqeta Co-Brand Analysis Research, 2024