Card-Linking Transactions on the Rise

Card-Linking Transactions on the Rise

March 29, 2016         Written By Bill Hardekopf

Card-linking allows customers to link their debit or credit cards to loyalty programs, digital coupons or mobile wallets. When consumers pay with their registered card or mobile wallet, discounts and loyalty benefits are automatically applied, which eliminates the need for paper or digital coupons, QR codes or promotions codes.

Card-linking transactions have increased by 50% in the last 12 months, according to the 2016 Annual Card-Linking Industry Survey of merchants, payment companies, publishers and card-linked technology companies.

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Other key findings from the survey include:

  • A majority (60%) of the respondents said card-linking could grow to a $10 billion revenue industry.
  • Restaurants, department stores and clothing companies have been the earliest adopters of card-linking.

“Card-linking has a network effect and it is accelerating,” said Silvio Tavares, CardLinx President and CEO. “Merchants and brands have poured more money into marketing and social media campaigns for card-linking, attracting more consumers. This in turn is bringing more payments and fintech companies into the industry that are developing new, innovative platforms to widen card-linking’s appeal to even more consumers.”

The information contained within this article was accurate as of March 29, 2016. For up-to-date
information on any of the terms, cards or offers mentioned above, visit the issuer's website.


About Bill Hardekopf

Bill Hardekopf is the CEO of and covers the credit card industry from all perspectives. Bill has been involved with personal finance for over 15 years. He is a frequent contributor to Forbes, The Street and The Christian Science Monitor.
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