{"page":"/blog/financial-media-networks-explained","modified":"2026-10-18","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Model","What the advertiser buys","Where it appears","Who pays, for what","How results are measured","Live examples"],"rows":[["1. Card-linked offers","A cash-back or discount offer targeted to customers by transaction history","Bank app, web, email, card-linked","Merchant pays only on redemption (a purchase)","Closed-loop by construction; incrementality via lift reports","Chase Media Solutions, Mastercard Commerce Media, Amex Offers, Citi (via Kard), Cardlytics in Bank of America and Wells Fargo, Zilch"],["2. Onsite media","Sponsored search, display, marquee placements inside a payments or BNPL app","Klarna app, Afterpay app, Revolut Shops, PayPal and Venmo feeds, AmexTravel.com","CPC for sponsored search, CPM for display, CPA for affiliate","Click and in-app conversion; closed-loop when the purchase runs through the app","Klarna, Afterpay, Revolut, Amex Ads, PayPal onsite"],["3. Offsite audiences","Audience segments built from purchase data, activated on third-party sites, apps and CTV","Open web, social, CTV","CPM; sometimes managed service fee","Attribution via the owner's purchase graph (claimed closed-loop); otherwise brand lift","PayPal Offsite Ads; Klarna brand ads via programmatic partners"],["4. Platform","A third party operates offers or ads inside many banks' channels and shares revenue","Partner banks' apps","Merchant pays platform; platform shares with bank","Closed-loop via bank transaction feed","Cardlytics, Kard (Citi acquisition pending)"]],"sourceUrls":[[],[],[],[]]}