Customer intelligence at the point of payment means recognising a returning shopper by the card they pay with — through network tokens — at checkout and at the terminal, without an app or a loyalty sign-up.
Unified-commerce customer identification, loyalty at tap, and cross-store intelligence — live on Paybyrd dashboards since February. Built in-house. Running in production with TAP Air Portugal, Vila Galé, Prozis, KuantoKusta, and Rede Expressos.
"We are announcing our intention to acquire Talon.One … an integrated engine that sits on top of our data and turns insight into action: dynamic discounts, loyalty rewards, personalized promotions, activated in real time."
Customer identification at tap. Cross-store unified view. Loyalty and promotion rules trigger live in the decisioning engine at the moment of payment, across 20+ active stores, with sub-200ms response.
Built in-house. Not acquired. Not integrated. Not planned. Shipped.
A card taps any store in your network. Paybyrd recognises the customer in under 200ms, pulls their entire cross-store history, and hands your team the full context — purchase frequency, spend trend, transaction timeline.
Faithful recreation of the Paybyrd merchant dashboard. Names are mocked for this page; real merchants see their actual customer data.
Sorted by lifetime value, tagged as returning or new, with store coverage and average ticket. Your floor staff, e-commerce operators, and loyalty team share the same view.
Five channels, one record. Not a transaction log — a living profile that tells you who, when, where, and what to do next.
Buys Fri 18:00 · 78% confidence
Every receipt tells a story. Paybyrd reads every one.
A Vila Galé returning guest. Same card — once used online for a direct booking, now tapped at the hotel restaurant. Paybyrd recognises them on both surfaces before the auth clears and applies their loyalty discount automatically. Watch:
No loyalty app download. No QR scan. No staff prompt. A shopper taps any card they've used before — in any of your stores, online or in-person — and Paybyrd surfaces their full history before the auth even clears.
Contact / contactless / tokenised wallet — Visa, Mastercard, Amex, Apple Pay, Google Pay, Click to Pay, iDEAL, MB WAY. Any Paybyrd surface (terminal, web, mobile, kiosk).
We never see the PAN. Paybyrd's vault receives the Visa / Mastercard network token (NTF-compliant) and a salted BIN + last-4 fingerprint. Both are durable identifiers — survive card replacements, re-issues, and channel hops.
The token + fingerprint are matched against the merchant's customer graph at the same time the transaction is being authorised. Returning shoppers are identified before the auth response reaches the terminal.
Your rules (editable by marketing, no engineering release) fire inline: apply a discount, trigger a promotional tier, fire a webhook to your CRM, send an SMS. All before the receipt prints.
A network token is the issuer-approved, scheme-issued reference for a specific card-on-a-device combination. Unlike a raw PAN, it survives the things that normally break identification:
Paybyrd is a Visa / Mastercard network-token-eligible platform. We provision tokens on first tap where issuers support it, and fall back to BIN + last-4 salted fingerprints where tokens aren't yet available. Either way, the identification layer is the same for your rules engine — you don't need to branch on whether a token exists.
A hotel guest taps the same card they used last summer. The system recognises them, applies their returning-guest rate, and pushes a thank-you SMS — all before the receipt prints. No QR code, no app, no staff training.
A high-LTV shopper gets a silent 10% courtesy discount on a €500+ basket, applied before the terminal displays the total. A first-time shopper gets a welcome voucher on their confirmation email. The rule fires on identification; your team sets the thresholds.
The purchase-frequency heatmap shifts a customer from "hot" to "warm" — Paybyrd fires a webhook to your CRM. Your CRM drops a targeted campaign. The customer comes back; identification at their next tap closes the loop. Revenue reattributed to the campaign automatically.
A Tier-1 customer's card is recognised at the restaurant terminal — the sommelier gets a subtle on-screen prompt to greet them by name and offer the pairing flight. A first-time diner gets the welcome flow. Same staff, same terminal, different service.
15 minutes. A senior engineer walks you through Customer Intelligence on a live sandbox — the exact dashboard your team would run. No NDA pitch, no pipeline screening. Just the product.
