01MERCHANTS
Turn every purchase into a digital relationship.
- Digital receipts inside the card app
- Reach shoppers beyond the loyalty program
- Item-level customer insight
Every transaction has more to tell.
Mivema connects card transactions to item-level receipt data, unlocking smarter customer engagement for issuers, merchants and brands.
Spent in October$1,284.60
Recent activity
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SUPERMARKETFri 9 Oct, 14:32$127.42 Matching receipt data
- CAFE 21Fri 9 Oct, 08:10$4.80
- FUEL STATIONThu 8 Oct, 18:45$52.00
- PHARMACYWed 7 Oct, 11:20$23.15
- TRANSIT PASSTue 6 Oct, 07:55$45.00
- BOOKSTOREMon 5 Oct, 17:30$18.90
FM
Itemized receipt
Fresh MarketFri 9 Oct, 14:32
$127.42- Milk2 × $2.10$4.20
- Coffee1 × $15.90, offer −$3.00$12.90
- Cereal2 × $4.10, offer −$0.80$7.40
- Fruit5 × $3.70$18.50
- Snacks3 × $3.30$9.90
- 9 more items$74.52
Total$127.42
FMFrom Fresh Market
Thanks for shopping with us.10% off fresh produce on your next visit.
Save offerFrom a card transaction to a complete purchase picture.
-
SUPERMARKETFri 9 Oct, 14:32
$127.42
01A card transaction
The record shows the merchant and the total. Not what was bought.
-
A7F3-2041A7F3-2041Card recordBasket
No card numbers stored
02Mivema connects
The transaction is matched to its basket in real time, on transaction identifiers only.
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Fresh Market14 items
- Milk4.20
- Coffee12.90
- Cereal7.40
Total$127.42
03A detailed receipt
Every product, quantity and price, in the app the customer already uses.
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From Fresh Market 10% off fresh produce On your next visit Save offer04
A reason to return
The receipt can carry a relevant offer or a message from the merchant.
-
Offer resultsSample
- Offer viewed
- Return visit
- Verified purchase
05Measured results
Offers and campaigns are measured against verified purchases.
Built for every side of the transaction.
A richer transaction, right inside the banking app.
Show the detailed receipt beneath the transaction cardholders already see.
- An itemized receipt for every matched transaction
- Clear purchase visibility, at a glance
- Room for relevant, brand-funded rewards
ActivityOctober
FM
Fresh MarketFri 9 Oct, 14:32
$127.42Itemized receipt14 items
- Milk2 × 2.104.20
- Coffee1 × 15.9012.90
- Cereal2 × 4.107.40
- 11 more items102.92
$1.00 back on coffeeBrand reward, added to your card
C
Cafe 21Fri 9 Oct, 08:10
$4.80F
Fuel StationThu 8 Oct, 18:45
$52.00The receipt becomes a reason to come back.
A branded receipt with your message, loyalty status and the next offer.
- Your brand and message on every receipt
- Post-purchase offers and loyalty prompts
- Repeat visits you can measure
FM
Fresh MarketStore 014, Fri 9 Oct, 14:32
Thanks for shopping with us.
- Milk4.20
- Coffee12.90
- Cereal7.40
- 11 more items102.92
Total$127.42
128 points, 72 to your next reward
For your next visit
10% off fresh produce
Valid until Fri 23 Oct
Save offer
Activate on purchases, not impressions.
Reward a specific product, verified at item level, and measure what it drove.
- SKU-level campaigns and cashback
- Rewards triggered by verified purchases
- Measured return on spend
CampaignGround coffee 250g$1.00 back, coffee buyers, last 60 days
PurchaseGround coffee 250g1 × $15.90 on a matched receipt
Verified$
RewardCashback triggeredAdded to the cardholder's account
+$1.00Reached2,180
Verified purchases312
ROAS3.0x
Sample
Privacy is built into the match.
Mivema adds purchase detail without adding exposure.
How privacy works- No card numbers or payment credentials stored.
Matching runs on operational transaction identifiers.
- Customer identity remains with the issuer.
The match does not require it.
- Insights are aggregated and anonymized.
Merchants and brands see patterns, not people.
What item-level data makes possible.
- Dispute support
Item detail gives context when a charge is questioned.
For Issuers - Repeat shoppers
See who comes back, loyalty card or not.
For Merchants - Product-level targeting
Reach shoppers based on what they actually buy.
For Brands - Spending insights
Category-level spending inside the banking app.
For Issuers - Lower receipt costs
Move receipts from paper to the app shoppers already open.
For Merchants - Campaign measurement
Return on spend, measured on verified purchases.
For Brands
One infrastructure. Three sides of the transaction.
Mivema is not a point solution. It is shared infrastructure. Every side works from the same verified purchase.
Merchant
Issuer
Verified purchase
Brand
02CARD ISSUERS
Turn every transaction into a richer customer experience.
- Itemized receipts inside the existing app
- Better transaction recognition
- New advertising and campaign revenue
- SKU-level campaigns
- Verified purchase cashback
- Purchase-based measurement
Start with a pilot.
Start small. Bring item-level receipts to a defined group of cardholders or shoppers. Agree the success measures up front. Measure the results together.
Join the PilotCard issuers
Show detailed receipts to a group of cardholders in your existing app.
Merchants
Connect your receipt data. Test digital receipts and measurable campaigns.
Consumer brands
Run a product-level campaign or cashback offer on verified purchases.
A card transaction tells you where the money went. It doesn’t tell you what was bought.
Behind every payment is a basket: products, quantities, prices, offers. Today that data sits in separate systems.
Card transaction
SUPERMARKET
$127.42
Today, 14:32
What the transaction tells you
- Merchant
- Amount
- Time
What is missingWhat the basket reveals
- Products
- Quantities
- Prices
- Discounts
- Basket composition
Itemized basket14 products
ProductQtyPriceOfferTotal
Offers applied−$5.80
Total$127.42
Basket composition
Not in the card record
The value is in the basket.
Each side holds one piece of the picture.
Merchants
Have the receipt data, but not the full relationship with every shopper.
HasReceipt data
NeedsShopper relationship
Card issuers
Have the customer relationship, but usually only see the transaction total.
HasCustomer relationship
NeedsItem-level detail
Brands
Want to measure whether a specific product was actually purchased.
HasProducts to promote
NeedsProof of purchase
How Mivema works
Three steps turn a card payment into a purchase record that issuers, merchants and brands can use.
STEP 01
Capture the basket
The merchant POS shares the full basket, plus standard transaction identifiers.
- Products
- Quantities
- Prices
- Discounts
Fresh Market$127.42
FRESH MARKETToday · 14:32
- Milk2 ×2.104.20
- Coffee1 ×15.9015.90
- Offer−3.00
- Cereal2 ×4.108.20
- Offer−0.80
- Fruit5 ×3.7018.50
- Snacks3 ×3.309.90
- … 9 more items74.52
TOTAL$127.42
- Transaction ID
- A7F3-2041
- Terminal ID
- T-0417
STEP 02
Match the transaction
Mivema pairs the basket with the card transaction. It matches on transaction identifiers only, in real time.
MERCHANT RECEIPT DATA
- Milk2 × 2.10
- Coffee1 × 15.90
- … 12 more lines
IDA7F3-2041
CARD TRANSACTION
SUPERMARKET
$127.42
Today, 14:32
IDA7F3-2041
MIVEMA MATCH
A7F3-2041
A7F3-2041
- Matched
- Verified
- Item-level
STEP 03
Activate the data
The matched receipt appears in the issuer’s existing banking or card app.
FM
Fresh MarketToday · 14:32
- Milk$4.20
- Coffee$12.90
- Cereal$7.40
- Fruit$18.50
- Snacks$9.90
- … 9 more items$74.52
TOTAL$127.42
The same data also powers
- Digital receipts
- Customer engagement
- SKU-level campaigns
- Cashback
- Purchase insights
- Dispute support
- No full card numbers.
- No expiry dates.
- No payment credentials.
Customer identity stays with the card issuer.
Ready to see it in action?
Turn every purchase into a digital relationship.
Move from paper receipts to a channel your shoppers already open every day.
- Digital receipts
- Reduced paper and checkout costs
- Reach shoppers beyond the loyalty program
- Item-level customer insight
- Targeted campaigns
- Cashback
SHOPPER INSIGHTS
Understand the basket, not just the spend.
Fresh Market
$127.42
14 products in one basket
Categories
- Pantry30%
- Dairy20%
- Produce15%
Products
- Fruit$18.50
- Chicken$14.20
- Coffee$12.90
- Olive oil$11.90
Basket composition
Repeat purchase
- Milk
- Cereal
- Coffee
Business outcome
See what goes into the basket: categories, products, combinations and repeat purchases. Aggregated and anonymized.
- Merchants
- Consumer brands
REPEAT SHOPPERS
Loyal shoppers you don’t know yet.
Sample periodLast 90 days
ShopperVisitsAvg basketTotalStatus
SH-7F2A14$34.20$478.80No loyalty card
SH-3C8D11$41.10$452.10No loyalty card
SH-B14E9$52.40$471.60Loyalty member
SH-9A028$29.80$238.40No loyalty card
SH-6E5B7$47.90$335.30No loyalty card
No name, phone, email or ID captured. The identifier is stable enough to spot a repeat visit, not to identify a person.
Business outcome
Repeat shoppers show up here whether or not they carry a loyalty card. Reach them through the issuer’s app instead of losing them to the gap.
- Merchants
- Card issuers
RECEIPT CAMPAIGNS
Decide what shows up on the receipt.
Fresh MarketToday · 14:32
Join our rewards programyour message
Loyalty balance · 128 ptsmembers only
Milk$4.20
Coffee$12.90
… 12 more items$110.32
Ground coffee, $1 back todayapproved brand campaign
Competing retailersblocked, always
Open in the Fresh Market app
Business outcome
Your own message and loyalty balance show first. Brand campaigns run only on your approval, and competitors never do.
- Merchants
CAMPAIGN REVENUE
Brands fund the offer. You share the upside.
Sample brand campaignCoffee cashback
Day 18 of 30Reached2,180
Control group660
Redeemed31214.3%
Lift vs. control+198 units
Your revenue share+$96
Business outcome
See the exact lift over a control group, not an estimate, and earn a share of the campaign revenue it creates.
- Merchants
- Consumer brands
Ready to explore for merchants?
Turn every transaction into a richer customer experience.
Show cardholders what they bought, and turn every transaction into an opportunity.
- Itemized receipts inside the existing app
- Increased app engagement
- Better transaction recognition
- Product-level personalization
- New advertising and campaign revenue
- Fewer transaction inquiries and disputes
- Category-level spend insights for cardholders
DIGITAL RECEIPTS
Every transaction, fully explained.
FM
Matched to your card payment
Fresh MarketToday · 14:32
$127.42
SummaryReceipt
- Milk2 × $2.10$4.20
- Coffee1 × $15.90, offer −$3.00$12.90
- Cereal2 × $4.10, offer −$0.80$7.40
- 11 more items$102.92
Total$127.42
Cashback earnedCoffee · funded by brand campaign
+$1.00Business outcome
Every charge, recognizable at a glance. A brand-funded reward on the same receipt adds a reason to open the app, and new revenue for the issuer.
- Card issuers
- Merchants
DISPUTES & FRAUD
Give every transaction more context.
Card activityToday · 14:32
Was this you?
SUPERMARKETFresh Market
$127.42
Merchant name onlyMatched receipt
- Milk$4.20
- Coffee$12.90
- Cereal$7.40
- … 11 more items$102.92
Report a problemIt was me
Business outcome
Clearer context resolves disputes and chargebacks faster. Unusual activity is easier to spot.
- Card issuers
- Merchants
FINANCIAL MANAGEMENT
From a receipt viewer to a spending tool.
August spending$1,247.30
- Dairy & eggs$182
- Beverages$128
- Snacks & sweets$95
- Meat & fish$86
- Household$73
- Bakery$59
Based on 47 itemized receipts out of 68 transactions this month.
Business outcome
The same app that showed a merchant name and a total can now show what it was spent on. That is a different product, not a bigger version of the same one.
- Card issuers
WHAT THIS UNLOCKS NEXT
Credit that matches how people actually spend.
Future direction
- Credit clubs tailored to real spending categories
- Loans suited to patterns the data already shows
- Personalization precise enough to mean something
Built on the same match: operational identifiers only. Mivema never sees who the customer is.
Business outcome
A separate product direction, built on the same privacy-preserving match. Not part of the pilot scope today.
- Card issuers
Ready to explore for issuers?
Measure what people actually bought.
Run campaigns and cashback tied to verified purchases, not clicks.
- SKU-level campaigns
- Verified purchase cashback
- Product-level targeting
- Purchase measurement
- Sales uplift
- Basket impact
- Measurable ROAS
MEASURABLE COMMERCE
Know which products actually drove a purchase.
Product-level campaignCereal
SKU-level
Milk2 × 2.104.20
Cereal2 × 4.107.40
Verified purchase
Fruit5 × 3.7018.50
Purchases of the campaign product, verified on real receipts
BeforeCampaign
Business outcome
See which products and campaigns led to a purchase. Measured on verified transactions, not estimates.
- Consumer brands
- Merchants
CASHBACK & REWARDS
Reward verified purchases, not clicks.
CAMPAIGN
Cereal$1.00 back on a verified purchase
OfferPRODUCT PURCHASED
Cereal2 × $4.10 on today's receipt
VerifiedREWARD TRIGGERED
$
Cashback earnedCereal · added to your account
+$1.00Business outcome
Pay rewards only when the product was bought. Every payout traces to a verified line on a real receipt.
- Consumer brands
- Card issuers
CAMPAIGN RESULTS
Know your ROAS, not just your reach.
Audience: coffee category buyers, last 60 daysCoffee campaign
SampleReached2,180
Verified purchases312
Campaign spend$624
Verified sales$1,872
ROAS3.0x
Business outcome
See who a campaign reached, how many purchases were verified at item level, and the return on spend. Measured, not estimated.
- Consumer brands
- Merchants
Ready to explore for brands?
More data. Less exposure.
Mivema matches receipt and transaction data without storing full card numbers, expiry dates or payment credentials.
MERCHANT
Owns transaction data
Transaction ID
A7F3-2041Item-level receipt data
Milk2 × 2.10
Coffee1 × 15.90
… 12 more lines
Shopper insight
Aggregated and anonymized
Transaction identifier
Item-level receipt data
Aggregated, anonymized insight
MIVEMA
Matches and structures the data
Inside Mivema
Operational transaction identifiers
A7F3-2041T-0417
Item-level receipt data
Milk2 × 2.10
Coffee1 × 15.90
… 12 more lines
Structured purchase signals
- CerealVerified
- CoffeeVerified
Never stored
- Full card numbers
- Expiry dates
- Payment credentials
Operational identifiers
Matched item-level receipt
Customer identity never crosses
CARD ISSUER
Keeps the customer relationship and identity
Outside Mivema
Card transaction
SUPERMARKET$127.42
A7F3-2041
Banking or card app
Itemized receipt shown to the cardholder
Identity boundary
Customer identity remains with the issuer.
-
NO CARD NUMBERS
Mivema does not store full card numbers, expiry dates or payment credentials.
-
IDENTITY STAYS WITH THE ISSUER
Customer identity remains with the card issuer.
-
AGGREGATED & ANONYMIZED
Insights shared with merchants and brands are aggregated and anonymized.
Ready to see it in action?
Questions, answered.
Can't find what you need? Ask us directly.
No. Mivema is data infrastructure. It matches card transactions with item-level receipt data. Issuers show the receipt in their own app. Merchants and brands work from verified purchases. Consumers install nothing.
In real time, on operational transaction identifiers only. Card numbers, expiry dates and payment credentials are not needed.
No. Mivema does not store full card numbers, expiry dates or payment credentials.
Only the card issuer. Customer identity stays with the issuer. Merchants and brands receive aggregated, anonymized data.
Issuers show detailed receipts in their existing app. Merchants lower receipt costs, understand shoppers and run measurable campaigns. Brands run SKU-level campaigns and cashback on verified purchases.
No. Receipts appear in the banking or card app they already use.
Card issuers and banks. Retailers and other physical businesses. Consumer brands. Fintech companies can build on the same connection.
Book a demo, or join a pilot. A pilot tests item-level receipts with a defined group of cardholders or shoppers.
Ready to see it in action?
Turn every card transaction into a detailed receipt and a measurable channel.
Tell us what you want to explore. We'll plan a demo or a pilot.
- See a transaction become an itemized receipt, live.
- See what it means for issuers, merchants or brands.
- Talk through privacy and pilot options.