Visa partners with edo Interactive to launch Card Linked Offers in Europe

Depth and scale of Visa’s transaction data enables marketers to target customers with personalised, relevant and simple cashback offers

London, 13 October 2014 - Visa today announced a new partnership with edo interactive, one of the market leaders in the fast growing Card Linked Offers (CLO) industry. The partnership will launch an innovative, targeted CLO cashback proposition in Europe, starting with a pilot at the end of this year and launching at scale in 2015 in the UK as the first market. edo already works with over 200 banks and more than 1,000 retailers in the USA in this field.

The uniqueness of the combined digital advertising proposition comes from bringing together the best of Visa Europe with its scale, data and reach combined with edo’s innovative solution which connects brands with the customers they want to attract based on their spend behaviour. As a result cardholders who opt-in to the service just need to pay with a Visa card to get great relevant offers, accessible anywhere on any device, with fast cashback rewards.

The CLO proposition delivers real benefits to all parties, promoting relevant content from retailer, lifestyle, entertainment and leisure businesses to end customers. These include retail discounts and unique money can’t buy experiences, which represent an exciting new digital media platform for retailers and provides financial institutions with valuable personalised benefits for their customers.

Crispin Rogers, Director Targeted Marketing Solutions at Visa Europe, said: “The days of the one size fits all approach to advertising and customer marketing are over. Consumers want a personalised experience and rewards that mirror their brand and product preferences. With one pound in every three spent on a Visa card in the UK, we can provide actionable insight that marketers need to reward those preferences.

“This is a unique proposition for retailers and financial institutions to gain an insight into their customers’ spending habits and offer relevant rewards. Card Linked Offers not only have the potential to create an improved experience for the consumer, but also increased reach, revenue and brand loyalty for content and channel partners.”

Ed Braswell, edo Founder and CEO said “after building the leading card-linked marketing platform in the U.S., we’re thrilled to have the opportunity to simplify the savings experience for millions of cardholders across the Visa Europe network.”

“It’s an incredible opportunity for us to collaborate with a data-driven organisation as innovative as Visa Europe, using data to offer individualised value to each cardholder, scaled across the largest global payments network."

The partnership marks an important step in bringing Card Linked Offers to the European market. edo interactive already works in the US helping marketers and merchants increase loyalty and target new customers with instantly redeemable discounts tailored to each customer. The Visa network of more than 500 million cards and €1 in every €6.5 spent on Visa card across Europe adds consumer reach to bring an unrivalled digital advertising proposition for targeted marketing at scale on the continent.

About Visa Europe

Visa Europe is a payments technology business owned and operated by member banks and other payment service providers from 37 countries across Europe.

Visa Europe works at the forefront of technology to create the services and infrastructure which enable millions of European consumers, businesses and governments to make electronic payments. Its members are responsible for issuing cards, signing up retailers and deciding cardholder and retailer fees.

Visa Europe operates a high volume, low cost business model that provides services to its members. Its surplus is reinvested into the business and used to improve capital and reserves.

There are 500m Visa cards in Europe, while €1 in every €6.50 spent in Europe is on a Visa card. In the year to September 2013, total expenditure on Visa cards reached €2 trillion, while point-of-sale spend increased by 8.5% to €1.4 trillion. Annual online spending on Visa cards continues to grow (20% year-on-year) and now stands at €240bn.

Since 2004, Visa Europe has been independent of Visa Inc. and incorporated in the UK, with an exclusive, irrevocable and perpetual licence in Europe. Both companies work in partnership to enable global Visa payments. As a dedicated European payment system Visa Europe is able to respond quickly to the specific market needs of European banks and their customers - cardholders and retailers - and to meet the European Commission’s objective to create a true internal market for payments.

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About edo

edo ( is transforming shopping and saving by delivering the simplest solution to personalized offers that are automatically available on consumers’ credit cards, debit cards and mobile devices. Through its card-linked offer platform, edo brings unique insight and clarity into consumer spending behavior — helping marketers and merchants increase loyalty and target new customers with instantly redeemable discounts tailored to their customers’ shopping habits. The company is co-headquartered in Nashville, Tenn. and Chicago. For more information, visit our website, LinkedIn, or follow us on Twitter: @edointeractive.

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