For payment gateways
You clear the payment. Others own the moment.
Your checkout and your competitor's are identical. SpendOS makes yours smarter.
The problem
Three problems.
One platform solves them.
Identical checkouts. Price wins.
UPI at the top. Cards below. Wallets somewhere. Every gateway renders the same screen in the same order. Merchants choose on MDR alone. That is a commodity trap.
Process payments. Lose value.
Banks and networks have incentive budgets with no path to the checkout moment.
Merchants pick a PSP on MDR, reliability, and settlement speed. That is the entire decision. There is no "this gateway makes my checkout smarter".
Checkout Intelligence API
Called pre-transaction by your checkout modal. Returns a recommendation in sub-100ms — before the UI renders. Zero latency. Zero merchant code change.
Pre-transaction Decision Engine
Determines which payment method to highlight and what value to badge it with — per user, per basket, per active offer. One signal. Not a static default.
Value Orchestration Layer
Connects your checkout to available bank offers, network incentives, and brand cashback. One integration point.
Conversion Analytics
Which offer badge drove which payment method selection. Which merchant categories respond to value injection.
Built for checkout infrastructure
Backend only.
No merchant code change.
Entirely backend API
SpendOS integrates with your backend only. No merchant-side code change. No checkout UI rebuild. Merchants see a smarter checkout — they change nothing.
Sub-100ms. Always
Built for checkout latency constraints. SpendOS responds before your modal would have rendered anyway. Zero perceptible delay. Zero UX disruption.
Full attribution
For the first time, see which offer badge drove which payment method selection — and what it did to conversion. Not modelled. Measured.
Traditional Approach
Same screen for every user, every basket, with zero personalization.
Renewals anchored to MDR — price is the only conversation
No data on what your checkout actually influenced
With SpendOS
One decisioned offer per checkout — intelligent, not static
Renewals anchored to conversion uplift — not MDR negotiation
Full attribution — what your checkout moved, proven per transaction
The impact
How SpendOS Creates ROI
SpendOS helps payment gateways increase conversion, merchant retention, and monetizable transaction engagement beyond payment processing alone.
Increase checkout conversion
Contextual value at payment reduces hesitation and improves completion rates.
Process more GMV
Higher conversion and engagement directly increase processed transaction volume.
Launch merchant monetization layers
Enable embedded campaigns, offers, and value orchestration across merchant ecosystems.
Improve merchant retention
Gateways become harder to replace when engagement and value infrastructure are embedded into checkout flows.
Expand beyond MDR economics
Create SaaS and campaign-driven revenue layers alongside payment processing.
Measure influenced commerce
Track conversion uplift, engagement impact, and influenced GMV across merchant journeys.
The integration
One API. Everything changes.
Entirely backend. No merchant-side code change. No checkout UI rebuild. Merchants see a smarter checkout — they change nothing.
Connect
Backend API only. SpendOS exposes a Checkout Intelligence API. Your backend calls it when the modal loads. Sub-100ms response. No merchant code change.
Configure
Console. No engineering wait. Set offer logic, instrument prioritisation rules, and Value Network connectivity — your product team controls it.
Optimise
Conversion Analytics. Which offer badge drove which instrument selection. A product story built on data — not uptime.
Built right
The integration your engineering team ships in days.
Sub-100ms. Always.
Built for checkout latency constraints. Zero perceptible delay. Tested at transaction volume — not just at pilot.
Backend API only
No merchant code change. No checkout UI rebuild. One integration on your side — intelligence on every transaction.
99.99% uptime SLA
Enterprise-grade reliability. Built for the criticality of live checkout infrastructure. Your checkout never waits for SpendOS.
ROI FAQ
What does the commercial model look like for a PSP?
What should PSPs measure first?
How does this help the PSP's merchants?
Does SpendOS interfere with payment processing?
Why would a PSP pay for SpendOS?
