About Cardlytics

Cardlytics (NASDAQ: CDLX) is a commerce media platform, powered by our publishers’ first-party purchase data, that makes commerce smarter and more rewarding for everyone. We offer a range of solutions to help advertisers and publishers grow and strengthen customer loyalty. With visibility into approximately half of all card-based transactions in the U.S. and a quarter in the U.K., Cardlytics enables advertisers to engage consumers at scale and drive incremental sales through our industry-leading card-linked offer network.

Publisher partners can enhance their platforms with relevant and personalized offers that improve the shopping experience for their customers. Cardlytics also offers identity resolution capabilities through Bridg, which helps convert anonymous shoppers into known and reachable customers. Headquartered in Atlanta, Cardlytics has offices in Menlo Park, Los Angeles, Champaign, New York and London.

Key Features of the Cardlytics Advertising Platform

• Purchase Intelligence

  • Data Analysis and Targeting: Cardlytics leverages proprietary technology to analyze anonymized, first-party transaction data from credit cards, debit cards, and electronic checking transfers, representing over $4.7 trillion in annual spend and more than 200 million consumer transactions each month.
  • Consumer Insights: This deep analysis allows advertisers to understand consumer spending patterns, preferences, and behaviors across both online and in-store purchases. Advertisers gain visibility into not only their own customers but also potential new customers and competitive shoppers, enabling highly targeted and efficient advertising campaigns.
  • Actionable Insights: Cardlytics provides actionable data-driven insights, helping brands identify opportunities, optimize strategies, and measure the true incremental impact of their advertising spend.

• Banking Partnerships

  • Integration with Banks: Cardlytics collaborates with over 1,500 financial institutions globally, including major banks like Wells Fargo, JPM Chase, and US Bank.
  • Trusted Environment: Offers and rewards are delivered directly within the digital channels of these banks, such as online banking apps and websites, providing a brand-safe, fraud-free environment.
  • Personalized Offers: Consumers receive personalized, card-linked offers and cashback rewards based on their actual purchase history, which can be redeemed automatically by using their linked payment cards at participating retailers.

• Advertising Platform and Reach

  • Massive Scale: The platform reaches over 166 million bank customers (recently cited as 186 million in some sources) with monthly active users in the hundreds of millions, providing brands with access to a vast, engaged audience.
  • Targeting Capabilities: Brands can target real consumers based on precise spending histories, enabling campaigns that drive incremental sales and grow market share. The platform supports targeting for new, lapsed, heavy, and omnichannel shoppers.
  • Performance Measurement: Cardlytics uses a rigorous test vs. control methodology and integrates with independent measurement partners to provide transparent, omni-channel reporting on campaign effectiveness.
  • Pay-for-Performance Model: Advertisers are charged based on actual sales delivered, with no hidden fees or production costs. This ensures accountability and maximizes ROI for advertisers.

• Additional Features

  • Omnichannel Reporting: Comprehensive reporting ties both online and in-store purchases to marketing campaigns, providing a full view of performance and ROI.
  • Flexible Access: Cardlytics offers self-service dashboards and APIs for advertisers to access insights and manage campaigns directly or integrate with their own systems.
  • Support for Multiple Industries: The platform is used by over 3,000 advertisers across retail, eCommerce, restaurants, grocery, gas, travel, telecom, and streaming services, supporting a wide range of marketing needs.

Summary Table

Cardlytics’ platform stands out for its unique combination of purchase intelligence, trusted banking partnerships, and a performance-driven advertising model, making it a powerful tool for marketers seeking to drive measurable results.

Ads Manager User Guide

In this guide, we introduce you to the Cardlytics Ads Manager — our ad management and reporting platform. The guide explains how it works and how to request access if you don't already have it. If you have Ads Manager questions beyond what the guide includes, be sure to reach out to your account manager.

Advertiser Partner Integration Guide & API Reference

Partner integration involves four key components: Merchant Ingestion API for managing merchant data, Offer Ingestion API for handling offer details, a Redemption Feed providing transaction information, and an Aggregate Reporting API for accessing performance metrics.

The guide and API Reference detail data formats, file naming conventions, upload protocols using SFTP, and REST API endpoints for real-time updates, emphasizing secure and efficient data exchange. Adherence to these guidelines ensures seamless collaboration and optimized data handling between partners and CDLX.

Key Components of the Integration

The integration between Demand Partners and CDLX is structured around four key components:

1. Merchant Ingestion API: Focuses on onboarding and managing merchant data within CDLX systems.
2. Offer Ingestion API: Deals with the management of offers provided by partners and their ingestion into CDLX.
3. Redemption Feed: Provides partners with data on transaction redemptions.
4. Aggregate Reporting API: Provides endpoints that allow partners to retrieve performance metrics for their offers.