Numo

What Numo does

Numo is a commerce media platform that operates at the intersection of financial technology and advertising technology, connecting financial institutions, merchants, and consumers through card-linked offer (CLO) programs. Founded in 2016 as Triple out of a PNC Bank fintech incubator and rebranded as numo in 2023, the company is a privately held subsidiary of PNC Financial Services Group, headquartered in Pittsburgh, PA. Its flagship capability is a dynamic engine that matches consumer card spend to merchant-funded offers, automatically activating cash-back and statement-credit rewards when qualifying transactions are detected at participating retailers, whether in-store or online.

The platform comprises four interlocking product surfaces: the numo Platform (API and hosted UI components for FI and merchant integration), the Publisher Platform (used by FIs to launch and manage their offers program with custom UI), the Advertiser suite (omnichannel campaign tooling with claimed 100% attribution), and the Offer Network (30,000+ merchant offers with direct connectivity to aggregators, ad agencies, LiveRamp, and Experian). Core proprietary technology includes the AI-driven TripleScore Engine for personalization and predictive targeting, real-time transaction matching, and SKU-level offer capabilities delivered through data partnerships with Banyan and Snipp Interactive. Distribution leverages direct FI partnerships (Bank of America as exclusive platform partner for BankAmeriDeals, serving roughly half of U.S. households; FIS; Q2; OpenSky/Capital Bank) plus an ecosystem of 18+ content partners such as Rakuten RCLON, LUX Rewards, Take Flight Advisors, Prizeout, and Olive for embedded finance.

Numo commercializes through a multi-stream B2B revenue model: recurring platform/SaaS fees from financial institutions, performance-based transaction/merchant fees when cardholders redeem offers, and advertising/content partnerships with merchant networks and aggregators. Pricing is not publicly disclosed and is tailored to institution size, cardholder volume, and feature scope; go-to-market blends enterprise field sales for top-tier FIs with API-first and integration-reseller distribution through platforms like Q2 and FIS that embed numo into mid-market and SMB institution clients.

Name

Numo

Legal name

Triple LLC dba numo

Website

https://numo.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Numo is a commerce media platform that connects banks, merchants, and consumers through AI-powered card-linked offers, serving major financial institutions including Bank of America, FIS, and Q2 from its PNC Bank subsidiary base.

Ownership category

akta.pro rank

Product category

Card-Linked Offers Platform

NAICS

Advertising Material Distribution Services (54187)

akta.pro primary industry

Player Account Management (PAM), CRM & Loyalty Platforms (MPAEAKAF)

Keywords

• Card-linked offers
• Commerce media platform
• Merchant-funded rewards
• Fintech adtech platform
• Financial institution software

Headquarters

HQ city

Pittsburgh

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Platform/SaaS Fees from Financial Institutions: Numo provides its card-linked offers platform to financial institutions, enabling them to offer merchant-funded rewards to their cardholders. Financial institutions pay for access to the platform, customization tools, and merchant network connectivity.
2. Transaction/Merchant Fees: Merchants pay fees to the platform when customers redeem offers through card-linked transactions. This is a performance-based model where merchants only pay when actual sales are generated, providing cost-effective advertising with measurable ROI.
3. Advertising/Content Partnerships: Revenue generated through content partnerships with merchant networks and aggregators who provide offer content to the platform. Partners include Rakuten, Snipp Interactive, and other content providers who expand the merchant offer inventory.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Numo operates a commerce media platform that connects financial institutions, merchants, and consumers through card-linked offers (CLO). The platform enables financial institutions to deliver merchant-funded cash-back rewards to cardholders via their banking apps, while providing merchants and brands with AI-powered targeting, real-time campaign management, and 100% attribution through an offer network spanning 30,000+ merchants.

Product overview

Numo operates as a next-generation commerce media platform combining fintech and adtech, originally founded as Triple out of a PNC Bank fintech incubator. The core product portfolio centers on card-linked offers (formerly Triple), a dynamic engine that connects financial institutions, merchants, and consumers through their banking apps. The numo Platform provides the technology backbone enabling card-linked offers, an Offer Network featuring 30,000+ merchant offers, SKU-Level Offers for product-specific targeting, and the TripleScore Engine for AI-powered personalization and targeting. Financial institutions and loyalty platforms use the Publisher Platform to integrate and manage offers programs, while advertisers use Advertiser Solutions to launch omnichannel campaigns with real-time targeting and 100% attribution.

Differentiator

Problem solved

Functional benefit

Products and services

• numo Platform Next-generation commerce media platform operating at the intersection of fintech and adtech, providing flexibility and control for advertisers and offer distributors. Connects financial institutions, merchants, and consumers through card-linked offer solutions with AI-powered personalization and real-time transaction matching.
• Publisher Platform Platform for financial institutions to integrate and manage card-linked offers programs with customization and control. Includes performance dashboards showing Avg Revenue Per Card, Total Rewards Distributed, and Number of Offers Available. Allows embedding offers anywhere in banking UI with full branding customization.
• Advertiser Solutions Omnichannel campaign management platform enabling brands and retailers to launch campaigns in real time, influence purchase behavior with personalized offers, and achieve 100% attribution on advertising spend. Provides superior targeting through AI and TripleScore Engine.
• Offer Network Industry's largest network of merchant offers providing connectivity to merchants, aggregators, ad agencies, and trusted data services like Experian and LiveRamp. Features over 30,000 merchant offers spanning all categories, accessible through financial institution partners.
• Card-Linked Offers Dynamic engine matching consumer spend to merchant value, allowing cardholders to earn statement credits and cash back on everyday purchases, dining, and travel through their banking apps when using enrolled credit or debit cards. Supports both in-store and online purchases.
• Offer API API providing industry-leading connectivity to merchants, aggregators, ad agencies, and trusted data services. Enables real-time campaign launch, omnichannel campaign management, and offer distribution with developer documentation.

Quantifiable outcome

• 75% of customers likely to make another purchase after receiving an incentive from a brand
• +4 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability7 records

Feature5 records

Partnerships

Ten partnerships are on record, tiered core, flagship and minor.

• LUX RewardscoreGTM or Marketing Partner · 25 June 2026LUX Rewards brings curated lifestyle and travel offers to the numo platform, expanding the merchant offer content available to numo users. This partnership reflects numo's investment in relationships with content partners to keep the offer ecosystem fresh, competitive, and valuable.
• Bank of AmericaflagshipStrategic or Co-development Partner · 24 May 2026Numo is the exclusive platform partner for Bank of America's upgraded BankAmeriDeals cash-back rewards program. The partnership enables numo's merchant discount network to reach roughly half of U.S. households through Bank of America's credit and debit cardholder base. Numo manages both the offers platform technology and all content partnerships, delivering a completely redesigned UI, access to 30,000+ merchant offers, next-generation personalization, and unprecedented reporting transparency.
• FIScoreTechnology or Integration · 6 January 2025Strategic collaboration with FIS, a global financial services technology leader, to enhance the rewards experience for FIS Loyalty customers. Through this integration, cardholders gain access to enhanced card-linked offers from thousands of top national retailers for in-store and online purchases in categories including dining, apparel, health and beauty, travel, and subscriptions.
• Q2coreTechnology or Integration · 24 May 2024Integration with Q2's industry-leading digital banking platform enables financial institutions using Q2 to seamlessly plug into numo/Triple's Offer Network, providing robust cash-back capabilities for their users with a turnkey solution.
• OpenSky (Capital Bank, N.A.)coreStrategic or Co-development Partner · 19 March 2024Strategic partnership to provide merchant funded card linked offers to OpenSky cardholders from thousands of top national retailers on both in-store and online purchases. OpenSky uniquely positions itself to offer cashback rewards as part of its credit building product suite.
• Rakuten Card Linked Offer Network (RCLON)coreGTM or Marketing Partner · 28 February 2024Strategic partnership with Rakuten's leading CLO merchant network to expand distribution of offers and deals for RCLON's retail partners. The partnership delivers merchant-funded rewards at hundreds of top national retailers while enabling RCLON's retail partners to reach new, high-quality shoppers.
• Take Flight AdvisorsminorGTM or Marketing Partner · 20 February 2024Partnership to deliver Take Flight's innovative merchant relationships and diverse offer content through numo/Triple's platform. Take Flight delivers merchant fulfilled and card linked offer rewards from hundreds of top national brands for in-store and online purchases.
• PrizeoutminorGTM or Marketing Partner · 13 June 2023Partnership to bring premium offers to customers that provide additional cash value with their favorite retailers through Prizeout digital gift cards. Prizeout's marketplace offers 1,300+ international and local brands with an average of 12% bonus value.
• Snipp InteractivecoreGTM or Marketing Partner · 23 May 2023Strategic partnership to deliver CPG-funded, SKU-level, everyday purchase offers via financial institutions' cash-back reward programs. The partnership combines numo/Triple's platform with Snipp's decade of experience managing 150+ million SKU-level transactions with leading global CPG advertisers.
• BanyancoreTechnology or Integration · 20 April 2023Partnership to enable SKU-level card-linked offers using Banyan's item-level purchase data capabilities. Banks and retailers enjoy greater offer flexibility, control, and reporting clarity. The partnership enables category and exclusion offers (e.g., excluding fuel from convenience store discounts).

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Cardlytics: Cardlytics is the longest-standing direct competitor in card-linked offers for banks, powering card-linked cashback programs inside issuer banking apps and aggregating merchant-funded offers across a large bank publisher base. Numo's positioning vs. Cardlytics is the clearest head-to-head rivalry in this category.
• Rakuten Rewards: Rakuten operates a consumer-facing cashback and card-linked offers platform with deep merchant relationships, and its Rakuten Card Linked Offer Network (RCLON) is a content partner of numo. The two compete for the same merchant-funded reward dollars and increasingly for publisher relationships with banks.
• Coupons.com (Quotient Technology / Neptune Retail Solutions): Coupons.com and its parent Neptune Retail Solutions run one of the largest digital coupon and merchant-funded offer platforms in the US, with deep CPG advertiser relationships and card-linked capability. It competes directly with numo for merchant-funded promotion budgets and FI distribution.
• Snipp Interactive: Snipp Interactive is a strategic CLO content partner of numo that also runs its own SKU-level, CPG-funded card-linked offer programs and shopper marketing platform. The overlap in SKU-level CPG offers and publisher network makes it a direct competitor in the same SKU-level niche numo is pursuing through the Banyan partnership.
• Bread Financial: Bread Financial operates a payments and card-linked marketing business focused on private label and co-brand credit programs, with embedded offer, loyalty, and personalized promotion capabilities for retail and bank partners. Its marketing platform overlaps directly with numo's advertiser-facing proposition.

Broad incumbents

• Plaid: Plaid is a much broader fintech infrastructure platform that connects bank accounts, transaction data, and payment flows to fintech apps. While not a card-linked offers competitor, it shares numo's enterprise FI customer base and could expand into adjacent commerce-media or transaction-data use cases.
• Yodlee (Envestnet): Yodlee provides financial data aggregation and analytics to banks and fintechs, with comparable FI customer overlap to numo. Its transaction data capabilities could be extended into card-linked offer targeting, making it an adjacent incumbent rather than a direct CLO competitor.
• LoyaltyOne (Alliance Data): LoyaltyOne operates enterprise loyalty platforms for major banks and retailers, including offer management, customer rewards, and merchant-funded incentives. It overlaps with numo's publisher-side loyalty platform offering but typically serves larger enterprise programs with broader portfolio scope.
• Publicis Sapient / Epsilon: Publicis Sapient and its Epsilon data arm serve large banks with customer data platforms, personalization, and loyalty marketing technology. They are a broad incumbent that competes for the same FI marketing and personalization budgets and could compete with numo on enterprise personalization deals.

Emerging players

• Marigold Engage (formerly Sailthru/Cheetah Digital): Marigold Engage provides personalization, loyalty, and cross-channel marketing technology used by financial services and retail brands. Its personalization engine overlaps with numo's TripleScore targeting capability, though its core focus is broader marketing automation rather than card-linked transactions.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/numo-llc

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Numo