For merchants

Reach the households already spending in your category.

WalletIQ households have their whole spending history categorised and understood — what they buy, where, how often, and who they've stayed loyal to. You describe the audience. We deliver your offer to the households that match. You never receive a list, and you never need one.

We're onboarding a first group of Canadian merchants. Tell us the audience you want and we'll tell you how many households match it.

Example audience

Win the diners someone else is feeding

Find households who…

spend more than $2,000 on restaurants in the last 6 months

give no single restaurant more than 15% of it

live within 10 km of your locations

Nobody in this audience is loyal to anyone yet — which is exactly why an offer lands. Matching household count is shown when you apply.

Target the behaviour, not a guess.

Most advertising buys a demographic and hopes it correlates with spending. Here the spending is the targeting — categorised, twelve months deep, and current to the last statement. Six of the shapes merchants ask for:

Category volume

Heavy spenders you don't have

Households spending above a threshold in your category over a window you choose — and none of it with you.

Loyalty

Your own best customers

The households already giving you most of their category spend. Reward them before someone else gives them a reason to look.

Share of wallet

The other half of a split

Households who use you and a competitor. You know what your share is; target the gap rather than the person.

Timing

Renewals and lapses

A recurring bill coming up for renewal, or a subscription that just stopped. Reach them in the weeks the decision is actually being made.

Absence

Never bought from the category

No spend in your category for twelve months, but the household income and spending pattern of someone who would. A first purchase, not a switch.

Movement

Spend that just moved

Households whose category spending shifted away from one merchant last quarter. Something changed; be the alternative they see next.

Three steps, and you pay for outcomes.

Describe the audience

In the same language as the examples above — category, amount, window, loyalty, timing, distance. We come back with how many households match before you commit to anything.

We deliver the offer

It appears inside the household's own app, against the category it relates to — next to the $9,910 of groceries they can already see. Not an interruption; an answer to the number they're looking at.

You pay when it works

You're buying a result — an offer accepted, a switch made, a customer won — not impressions against people who were never going to buy. Nobody is paid if nobody takes it.

What we won't do

You reach an audience. You never receive one.

We tell households, in plain words, that companies can pay to reach people who spend like them and will never learn who they are. That promise is the reason they let us see any of this, so it isn't negotiable — and it's why the households on the other side of your offer are worth reaching.

You get
An audience, and what it did. How many households matched, how many took the offer, and what it was worth. Enough to know whether it worked and to do it better next time.
You don't
Get names, emails, or anyone's transactions. No list is handed over, exported, or sold. We deliver on your behalf; identity stays on our side of the line.
You don't
Get to target one household. Audiences have a minimum size. A segment narrow enough to describe a single person isn't an audience, and we won't build it.
They can
Ignore you, and often will. Households see offers in their own app and take the ones worth taking. That's the filter — and the reason an accepted offer here means something.

Tell us who you want to reach.

We're onboarding a first group of Canadian merchants — grocers, insurers, telecom, restaurants, home services. Describe the audience and we'll come back with how many households match it.

One reply from a person, not a sequence.