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Credit Card Transaction Data

Credit card transaction data is used for customer behavior and retail spend analysis. Retailers and businesses use credit card transaction datasets for payment transaction analytics. Use Datarade's marketplace to buy and sample data from credit card data providers.

Top Credit Card Transaction Data APIs, Datasets, and Databases

Find the top commercial Credit Card Transaction Data sets, feeds and streams.

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US Consumer Card Payments

by Facteus
US consumer card transactions from 15 million debit and credit cards
Country
USA
Use CaseConsumer Data Enrichment
Available Pricing:
Yearly license
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QueXopa - Credit Card Transactional Data (Mexico)

by QueXopa
Description: Credit Card Transactional Data (Mexico) Product Details: +250k accounts / +5 million transactions (Dec '19|monthly) - Wide Variation of metro area locations Mex City, Monterrey, Gua...
Volume250K accounts, 5M transactions
Country
Mexico
History3 years of past data available
Use CaseAlpha Generation
Pricing available upon request
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Consumer Ecommerce Purchases Dataset -- Anywhere in the World

by Vumonic
A set of cleaned, categorized ecommerce puchases for any ecommerce market in the world (any geography or product vertical).
Volume10M transactions/dataset
Quality95% CI
Country
USA
Germany
India
+ 10 others
History3 years of past data available
Use CaseHedge Funds, Consumer Trend Analysis + 3 more
Available Pricing:
One-off purchase
Yearly license
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Yodlee's Aggregate Panel

by Envestnet | Yodlee
Simple to use feed of consumer transaction data aggregated by ticker/merchants
Volume500 tickers, 3K merchants
Quality99% High precision mapping for 600 tickers
Country
USA
History6 years of past data available
Use CaseConsumer Intelligence, Consumer Trend Analysis + 3 more
Starts at
$150,000 / year
Free sample available
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Yodlee's Quant Panel

by Envestnet | Yodlee
Our most granular offering providing line-by-line transactions for 3 millions US consumers.
Volume2 T+ latency, 3 Million Active users
Quality99% % high precision merchants
Country
USA
History9 years of past data available
Use Casesystematic trading, Consumer Trend Analysis + 3 more
Starts at
$300,000 / year
Free sample available
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Yodlee's 4M Panel

by Envestnet | Yodlee
Our most granular offering providing line-by-line transactions for 4 millions US consumers.
Volume600 Tickers, 3K Merchants
Quality99% High precision mapping for 600 tickers
Country
USA
History9 years of past data available
Use Casecustomer loyalty programs, Consumer Intelligence + 3 more
Starts at
$400,000 / year
Free sample available
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Yodlee's Complete Panel (C Panel)

by Envestnet | Yodlee
Our most granular offering providing line-by-line transactions for 15 millions US consumers.
Volume9 Years history, 3K + merchants
Quality99% % high precision tagging, 600 tickers
Country
USA
History9 years of past data available
Use CaseCredit Card Analytics, Consumer Profiling + 3 more
Starts at
$800,000 / year
Free sample available
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Yodlee's International Panel

by Envestnet | Yodlee
Large Consumer Panels for Canada, Australia, New Zealand and South Africa
Volume9 Year history, 2 million users Canada
Quality99% % high precision for 20 tickers in Canadian Panel
Country
Canada
Australia
South Africa
+ 1 others
History9 years of past data available
Use CaseConsumer Trend Analysis, Revenue Forecasting + 3 more
Starts at
$100,000 / year
Free sample available
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Top Credit Card Transaction Data Providers, Vendors, and Companies

Find the top Credit Card Transaction Data aggregators, suppliers, and firms.

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Based in United Kingdom

Money Dashboard is a personal financial assistant that shows you exactly where money goes and helps you make better decisions. Use it to connect to all your current accounts, savings accounts and c...

Based in Panama

QueXopa is a lead Alt Data Provider speciallized in Latam & Global Emerging Markets. We create value by finding the best suitable formats of Producer Data, so clients can capture at full capabilit...

Based in United States of America

Facteus is a leading provider of actionable insights from financial data. The company’s data products come directly from over 1,000 financial services companies giving access to the “truth” of act...

Based in United Kingdom

Fable Data aggregates consumer transaction data sourced from banks, card issuers and open banking companies across Europe. We selectively partner with diverse data providers to build a sample repr...

Based in United States of America

Cardlytics is a data provider offering Bank Transaction Data, Credit Card Transaction Data, Loyalty Card Data, Demographic Data, and Alternative Data. They are headquartered in United States of Ame...

Based in United States of America

Mastercard Advisors is a data provider offering Purchase History Data, Credit Card Transaction Data, Purchase Behavior Data, Consumer Transaction Data, Demographic Data, In-Market Audience Data, St...

Based in United States of America

Epsilon is a data provider offering Seasonal Audience Data, Online Purchase Data, Purchase History Data, Marketing Data, Third-Party Audience Data, Consumer Transaction Data, Address Data, Direct M...

Based in Spain

BBVA API Market Paystats is a data provider offering Demographic Data, Credit Card Transaction Data, and Consumer Behavior Data. They are headquartered in Spain.

Based in United States of America

Visa Audiences is a data provider offering Custom Audience Data, Online Purchase Data, Consumer Transaction Data, Credit Card Transaction Data, In-Market Audience Data, Consumer Spending Data, Demo...

Based in United States of America

Amex Advance is a data provider offering Credit Card Transaction Data. They are headquartered in United States of America.

The Ultimate Guide to Credit Card Transaction Data 2020

Learn everything about Credit Card Transaction Data. Understand data sources, popular use cases, and data quality.

What is Credit Card Transaction Data?

Credit card transaction data is information collected whenever a customer uses a credit card to make a purchase. A credit card dataset or credit card data API will tell you about a consumer’s credit card usage, spending and historical transactions. Retailers buy credit card spend datasets for credit card data analysis, so that they can understand customer behavior.

More and more customers are using credit cards from providers like Visa or Mastercard to make payments. Consumers are also making more contactless and e-commerce payments. For example, when a customer buys a product online, or walks into a restaurant and orders a burger, it’s likely that this transaction will take place using a credit card, because it’s quicker and easier to pay with card than cash. This financial transaction data is captured by the consumer’s bank to be used for payment transaction analytics. Data providers and aggregators collect this information, and supply anonymized credit card data via datasets and APIs.

Since debit and credit cards are commonly used to pay for goods and services, they represent a strong percentage of a country’s customer consumption and credit card spending behavior. Debit and credit cards issued by companies such as Visa, Mastercard or AMEX are now used more widely than cash. Incentive and reward programs have also increased the use of electronic cards. This means that financial transaction and credit card spending datasets are more comprehensive than ever. Credit card data providers like Facteus offer a credit card users database with card data collected from over 15 million US debit and credit cards.

Who uses Credit Card Transaction Data and for which use cases?

Transaction data analysis is used in retail and hospitality to understand customer spending and credit card usage. Customer transaction datasets allow businesses to understand consumer behavior, track historical trends and make market predictions. With enough anonymized credit card user data, clear patterns begin to emerge. Financial institutions and retailers can utilize card data to see spending habits, share of wallet, and method of payment preference. From there, predicting a consumer’s next move becomes less about guesswork and more about transaction data analytics.

Customer transaction data and credit card spending data is used for digital advertising, sales forecasting and business development. For marketers, transactional data is mostly used for consumer segmentation and targeting. Credit card data providers can organise a credit card transaction dataset according to regional codes. This makes location-based marketing and demographic analysis of consumers in a given region more accurate and data-driven.

For example, credit card spend data can identify audience segments which are more likely to purchase certain items, like shoes, for instance. If a digital advertiser’s online transaction data and credit card analytics show that there are x-thousand shoe-buyers in a given area, online, at any one time, they can then bid on online users from those areas, and target them with ads for shoes. Understanding credit card spending behavior is also beneficial to brick and mortar stores. Retail transaction data allows businesses to see which payment methods are popular, so they can optimize customer experiences. Credit card datasets also allow businesses to monitor sales trends and create data-driven marketing strategies.

Most importantly, financial transaction data providers ensure that when they offer credit card data for sale, they aggregate the raw data to remove any PII (personally identifiable information) from their datasets. This means that businesses can buy or sample a credit card database, safe in the knowledge that it’s 100% privacy-complaint.

What are the sources of Credit Card Transaction Data?

Mastercard and Visa transaction data form some of the best credit card databases available.

Visa credit card data covers $3 trillion worth of annual US credit card spending, and £522 billion of UK transactions. With Visa card data, businesses can conduct customer transaction data analysis across hundred of vectors and geographical regions.

Mastercard transaction data delivers cards and payments market intelligence for consumers across the world. Mastercard’s credit card transaction datasets make granular credit card analytics possible, for example basket composition intelligence and individual consumer spending habits.

Some companies, like PayPal, offer an incentive rate program for merchants who offer more detailed information on their sales transactions. These are only eligible for merchants who comply with Level 2 or Level 3 (PCI compliance) transactions. Transactions that fall under Level 1 qualify as a normal card transaction.

To ensure that the card data being shared is accurate, card companies perform strict verification procedures for data that is collected at either Level 2 or 3. This means that this credit card data is eligible for incentive rates, because it is more accurate.

The levels refer to the amount of credit card usage data collected per transaction. The higher the level, the more data is collected. Level requirements usually differ between financial transaction datasets but are similar to the following offered by PayPal:

Level 1
Any merchant who accepts credit cards complies with this level. It functions as a normal credit card and is authorized and associated with normal transaction data.

Level 2
Additional data regarding the actual sales such as tax, customer code, purchase number, invoice number etc. is captured at the point of sale. Most of the time it is combined with the merchants’ information such as Tax ID number, state and postal code data.

Level 3
Significant additional information on the actual product or service is shared. Data points such as line items, product codes, item description, unit price and quantities as well as shipping postal code data are added to the information provided at Level 2.

What are typical Credit Card Transaction Data attributes?

  • Name
  • Region
  • Transaction
  • Purchase
  • Purchase-void
  • Refund
  • Refund-void
  • Pre-authorization
  • Private label payment
  • Private label payment-void

Which types of credit cards are included in a credit card dataset?

  • Standard (Mastercard, Visa, Discover, AmEx)
  • Pre-paid (Mastercard, Visa, Discover, AmEx)
  • Corporate purchasing cards
  • Private label cards

How is Credit Card Transaction Data typically collected?

Transaction Data is typically collected by card companies, banks, stores, and businesses at the point of sale or transaction. Credit card transaction data providers use a credit card aggregator to de-identify the customer transaction and financial data collected from these sources. Providers then deliver the anonymized data via a credit card transaction data API or database.

How to buy Credit Card information?

Credit card data is for sale via the Datarade platform. Credit card data providers offer sample credit card transaction datasets, so you can test that the data fits your requirements before you buy a dataset or API subscription.

How is Credit Card Transaction Data typically Priced?

Typical pricing models include:

  • Pay per batch - pay for a single-use dataset of historical transaction data
  • Subscription fee - access a real-time API for a recurring fee
  • Custom quotes - tailored offering for your specific needs.

Many businesses choose to sample transaction data before they buy credit card data. This allows them to assess the data quality and relevancy before they commit to a data purchase.

What to ask a Credit Card Transaction Data Provider?

Questions to ask credit card data providers include:

  • How often is the credit card data updated?
  • Can the data be customized to meet the needs of my business?
  • Will the data integrate with my existing business technologies?
  • Do you provide additional services, such as transaction data analytics or a credit card data model?

Categories Related to Credit Card Transaction Data

Explore similar categories related to Credit Card Transaction Data.

Popular Credit Card Transaction Data Use Cases

Find out the most common applications of Credit Card Transaction Data.

Revenue Forecasting
Purchase Intelligence
spending analytics
purchase behavior analytics
Credit Card Analytics
Audience Targeting Hedge Funds Marketing Consumer Trend Analysis Transaction Data Enrichment

Featured Top Lists for Credit Card Transaction Data

Explore featured lists of providers for Credit Card Transaction Data.