What is Credit Card Data? Examples, Providers & Datasets to Buy
- Overview
- Datasets
- Providers
- Use Cases
- Attributes
- Guide
- FAQ
- Overview
- Datasets
- Providers
- Use Cases
- Attributes
- Guide
- FAQ
What is Credit Card Data?
Credit card data is information captured in electronic records whenever a credit card is used in financial transactions. This includes the date and time of the transaction, the merchant’s information, the transaction amount, and the credit card holder’s information, which may include the card number, name, and billing address. These attributes are then of PII to maintain the cardholder’s privacy.
Are Examples of Credit Card Data?
Examples of credit card data include datasets offering insights into consumer spending and payment trends. Key examples include:
- Transaction Data: Details of purchases, including amounts, merchants, and timestamps.
- Consumer Demographics: Age, income level, and geographic location of cardholders.
- Spending Categories: Classification of purchases, such as groceries, travel, and entertainment.
- Payment Trends: Insights into credit utilization, repayment behaviors, and transaction frequency.
- Fraud Indicators: Patterns and anomalies associated with fraudulent transactions.
Best Credit Card Databases, Datasets & API
The best credit card datasets provide detailed transaction records, spending trends, and fraud detection insights. This curated list features the top credit card datasets and APIs, selected for accuracy, quality, and trusted providers where you can buy credit card data.
Credit Card Data | Credit Card Spend Data | 20 Countries | Trusted by 600 + Businesses
Envestnet | Yodlee's De-Identified Credit Card Data | Row/Aggregate Level | USA Consumer Data covering 3600+ corporations | 90M+ Accounts
Vision Consumer Transaction Data | USA Data | 100M+ Credit & Debit Cards, 12K+ Merchants, 800+ Parent Companies, 600+ Tickers
TRAK Data - Full US Consumer Finance Data - Household Income, Wealth, Investments, Credit Card Behaviors, Insurance, Mortgage, Spending Habits
Gasoline Price Data USA | Coverage 90%+ | Regular, Diesel, Midgrade, ... | Cash and Credit Prices | multiple updates daily | API
Envestnet | Yodlee's De-Identified Credit Card Spending Data | Row/Aggregate Level | USA Consumer Data covering 3600+ corporations | 90M+ Accounts
Daily US Gift Card Data unique to 90 West Data
B2B Leads Data on SaaS-platform | Access & Export Millions of Leads via Success.ai's SaaS-Platform - Unbeatable Price for Top-Quality Data
Voter Data Append, USA, CCPA Compliant, Political Interest Data
Granular E-Receipt Data for Middle East | UAE / Kuwait / Qatar / Saudi | Ride-Sharing Data | Restaurant & Food Delivery Transaction Data
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Top Credit Card Data Providers & Companies
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ExactOne
CoverageUKFranceData that gives your business an edge ExactOne enables you to analyse sales trends and performance drivers by named merchants and categories - using 600,000 daily active users - ensuring you are one step ahead of the competition.600K+Daily Active Users400+Tickers1800+Merchants Categorised -
Envestnet | Yodlee
CoverageUSAEnvestnet® | Yodlee® is a market leader in de-identified consumer spend/income data. We tag thousands of public and private companies to billions of transactions that we capture in near real time (T+1) and make available via feeds or dashboard.15 m+Active usersSince 2011HistoryT+2Latency
Popular Use Cases for Credit Card Data
Credit card data is widely used for financial analysis, customer insights, and security. Businesses use it for market research, analyzing spending patterns to understand consumer preferences and behaviors. It supports fraud detection, identifying unusual transaction patterns to minimize risk. Additionally, customer segmentation leverages credit card data to group consumers based on spending habits for targeted marketing campaigns, just to mention a few.
Main Attributes of Credit Card Data
Below, we outline the most popular attributes associated with this type of data—features that data buyers are actively seeking to meet their needs.
| Attribute | Type | Description | Action |
|---|---|---|---|
| String | The postal code of an address. | View 30 datasets | |
| String | The gender of a contact. | View 15 datasets | |
| String | The name of a state. | View 15 datasets | |
| String | The first name of a contact. | View 14 datasets | |
| String | The last name (surname) of a contact. | View 14 datasets | |
| Integer | The age of a contact. | View 13 datasets |
Credit Card Data Use Cases in Detail
Fraud Detection
One of the main use cases of credit card data is fraud detection. By analyzing credit card transactions, financial institutions can identify suspicious activities and patterns that may indicate fraudulent behavior. This includes detecting unauthorized transactions, unusual spending patterns, or transactions that deviate from the cardholder’s typical behavior. Advanced algorithms and machine learning techniques are often employed to analyze large volumes of credit card data in real-time and flag potential fraudulent activities.
Customer Behavior Analysis
Credit card data is also used for customer behavior analysis. By analyzing transaction history, financial institutions and businesses can gain insights into customers’ spending habits, preferences, and purchasing patterns. This information can be used to personalize marketing campaigns, offer targeted promotions, and improve customer experience. Understanding customer behavior can help businesses make data-driven decisions and tailor their products or services to better meet customer needs.
Risk Assessment and Credit Scoring
Credit card data plays a crucial role in risk assessment and credit scoring. Financial institutions use credit card data, along with other financial information, to evaluate the creditworthiness of individuals or businesses. By analyzing factors such as payment history, credit utilization, and outstanding debts, credit scoring models can predict the likelihood of a borrower defaulting on their credit obligations. This information is used to determine credit limits, interest rates, and loan approvals, helping financial institutions manage their lending risks effectively.
These three use cases highlight the importance of credit card data in fraud prevention, customer analysis, and risk assessment within the financial industry.
Main Attributes of Credit Card Data
Possible attributes of credit card data include cardholder name, card number, expiration date, CVV code, billing address, transaction amount, transaction date and time, merchant name, merchant category code (MCC), transaction status, currency, card type (e.g., Visa, Mastercard), card issuer, cardholder’s contact information, transaction location (e.g., city, country), IP address, device information, transaction ID, and potentially additional metadata. These attributes can be found in credit card datasets, whether they are obtained legally for analysis purposes or unfortunately in cases of credit card data for sale or credit card database breaches. Here’s a table of the main attributes you might find on Credit Card Datasets:
| Attribute | Description |
|---|---|
| Cardholder Name | The name of the person to whom the credit card is issued |
| Card Number | A unique number assigned to the credit card |
| Expiration Date | The date when the credit card becomes invalid |
| CVV/CVC | A three or four-digit security code on the back of the credit card |
| Billing Address | The address associated with the credit card for billing purposes |
| Transaction History | A record of all transactions made using the credit card |
| Credit Limit | The maximum amount of credit available on the card |
| Card Type | The type of credit card (e.g., Visa, Mastercard, American Express) |
| Issuing Bank | The financial institution that issued the credit card |
| Rewards/Points | Any rewards or points earned through credit card usage |
| Interest Rate | The annual percentage rate charged on outstanding credit card balances |
| Minimum Payment | The minimum amount required to be paid each billing cycle |
| Late Payment Fee | The fee charged for making a payment after the due date |
| Foreign Transaction Fee | The fee charged for transactions made in a foreign currency |
| Fraud Protection | Security measures implemented to protect against unauthorized use of the credit card |
How are Credit Card Data products priced?
Credit card datasets are typically priced based on various factors such as the size and quality of the dataset, the level of detail and granularity it provides, and the demand for such data in the market. The pricing also takes into account the complexity and sophistication of the data collection process, as well as any additional value-added services or features offered by the dataset provider. Additionally, the reputation and credibility of the dataset provider may influence the pricing, as customers are willing to pay more for datasets from trusted sources. Overall, credit card datasets are priced based on their perceived value and the benefits they offer to businesses and researchers in terms of insights, analysis, and decision-making capabilities.
Frequently Asked Questions
How is Credit Card Data Collected?
Credit card data is gathered from various sources, including transaction records, aggregated insights from financial institutions, and merchant-level data. This information is anonymized and aggregated to ensure privacy while providing actionable insights. Our advice: Look for providers who adhere to strict data collection and compliance standards.
How Accurate and Reliable is Credit Card Data?
High-quality credit card datasets often report up to 99% accuracy, verified through rigorous validation processes and correlation with actual sales data. Providers update these datasets frequently, with some offering near real-time insights. Our advice: Opt for providers with a proven track record of accuracy and frequent updates to ensure the data reflects current market trends.
How is Credit Card Data Secured and Compliant?
Credit card data is de-identified and aggregated to comply with privacy regulations such as GDPR. Secure delivery methods, such as encrypted file transfers or APIs, are standard to protect data integrity. Our advice: Confirm that the provider follows strict compliance protocols and ethical practices for data usage.
How is Credit Card Data Delivered?
Credit card data can be delivered in formats such as CSV, JSON, or SQL, and is accessible via secure APIs or file transfer methods. Delivery frequency ranges from daily to on-demand, allowing flexibility based on your needs. Our advice: Select a delivery method that integrates seamlessly with your existing systems for smooth data consumption.
How Much Does Credit Card Data Cost?
Pricing for credit card data varies depending on factors like coverage, volume, and frequency of updates. Common pricing models include one-off purchases, subscriptions, or usage-based fees. Many providers offer free samples to help evaluate the dataset. Our advice: Use trial options to assess the quality and relevance of the data before purchasing.
