Influence Every Customer Decision.

Drive Measurable Growth.

Influence Every Customer Decision. Drive Measurable Growth.

TWID helps enterprises influence customer behaviour with intelligent incentives by connecting issuers, merchants, brands, fintechs and consumers to turn every interaction into measurable business growth.

TWID Decision Engine connecting merchants, consumers, banks and UPI apps
TWID Decision Engine connecting merchants, consumers, banks and UPI apps
TWID Decision Engine connecting merchants, consumers, banks and UPI apps

Powering incentive commerce for leading banks, loyalty programs and merchants.

Powering incentive commerce for leading banks, loyalty programs and merchants.

  • Flipkart Supercoins
  • Ixigo Rewards
  • IndusInd Rewards
  • Swiggy
  • AU Rewards
  • Jio Mart
  • RBL Rewards
  • Swiggy
  • CRED Coins
  • Jio
  • Jupiter Jewels
  • Book My Show
  • Navi Coins
  • Apollo 24/7
  • BOB Rewards
  • MilkBasket

The Scale Behind Smarter
Commerce Decisions.

1 Bn +

Monthly Transaction Signals

1 Bn +

Monthly Transaction Signals

100 Mn +

Consumer Access

100 Mn +

Consumer Access

5,000 +

Partner Merchants

5,000 +

Partner Merchants

30 +

Partner Issuers

30 +

Partner Issuers

Every Decision Gets Smarter with
Every Transaction.

TWID learns from billions of commerce signals to deliver more relevant incentives and better business outcomes with every customer interaction.

₹5,000
Reward Balance1000 pts
Last purchase
21 days ago

TWID Decision Engine

+14%
Conversion Lift
+34%
Spend Increase
Inactive 90d+
Low Engagement Score
New User

Instant ₹300 OFF

Repeat Buyer · 30d
High Purchase Intent
AOV ₹5K

Spend ₹400 more & get 5X Points

Cart  Value· ₹4,600Goal · ₹5,000
Cart Abandoned · 24h
Churn Risk: High
Top 10% Spender

₹200 Instant Discount

Expires In
47h
:
59m
:
32s

Connected products for every stage
of customer growth.

Connected products for every stage of customer growth.

Influence purchases and grow customer value with a flexible suite of rewards, checkout and intelligence products, designed to work independently or as one connected system.

Nexus AI

Deliver the Next Best Incentive.

Identify the right incentive for every customer growth moment using intelligence across customers, merchants, issuers and transactions.

Pay with Rewards

Deliver Incentives That Convert.

Turn rewards into spending power by making them instantly redeemable at checkout, driving activation, engagement and repeat spend

Pay With Rewards

30+

Issuers Partners

Flipkart Supercoins X TWID
RBL Rewards
Cred Coins
AU Rewards
Navi Coin

Powered by TWID

LIVE On 5000+

MERCHANTS

Swiggy
Jio Mart
Ixigo
Milkbasket
Vi
Redbus

Checkout

1000

₹900

Order Processing

3 Items

Rewards

Supercoins

using 100 coins

100 Off

VIEW ALL REWARDS

Payment Options

UPI

UPI

Apps

Credit Card

Credit Card

Debit Card

Debit

Card

Wallet

Wallet

Pay With Rewards

30+

Issuers Partners

Flipkart Supercoins X TWID
RBL Rewards
Cred Coins
AU Rewards
Navi Coin

Powered by TWID

LIVE On 5000+

MERCHANTS

Swiggy
Jio Mart
Ixigo
Milkbasket
Vi
Redbus

Checkout

1000

₹900

Order Processing

3 Items

Rewards

Supercoins

using 100 coins

100 Off

VIEW ALL REWARDS

Payment Options

UPI

UPI

Apps

Credit Card

Credit Card

Debit Card

Debit

Card

Wallet

Wallet

Pay With Rewards

30+

Issuers Partners

Flipkart Supercoins X TWID
RBL Rewards
Cred Coins
AU Rewards
Navi Coin

Powered by TWID

LIVE On 5000+

MERCHANTS

Swiggy
Jio Mart
Ixigo
Milkbasket
Vi
Redbus

Checkout

1000

₹900

Order Processing

3 Items

Rewards

Supercoins

using 100 coins

100 Off

VIEW ALL REWARDS

Payment Options

UPI

UPI

Apps

Credit Card

Credit Card

Debit Card

Debit

Card

Wallet

Wallet

Checkout Intelligence

Every Transaction Makes the Next Decision Smarter.

Transform billions of commerce signals into intelligence that continuously improves customer growth decisions.

Checkout Intelligence by twid

TWID Decision Engine

#consumer 2847

Customer Intelligence

Affluence

91

Purchase intent

86

Potential value

High

#consumer 9244

19:00, 24/05/26

Groceries App

₹2999

#consumer 5622

09:00, 11/07/26

Food App

₹2312

#consumer 2847

12:00, 12/08/26

Bill Payment

₹3000

Checkout Intelligence by twid

TWID Decision Engine

#consumer 2847

Customer Intelligence

Affluence

91

Purchase intent

86

Potential value

High

#consumer 9244

19:00, 24/05/26

Groceries App

₹2999

#consumer 5622

09:00, 11/07/26

Food App

₹2312

#consumer 2847

12:00, 12/08/26

Bill Payment

₹3000

Checkout Intelligence by twid

TWID Decision Engine

#consumer 2847

Customer Intelligence

Affluence

91

Purchase intent

86

Potential value

High

#consumer 9244

19:00, 24/05/26

Groceries App

₹2999

#consumer 5622

09:00, 11/07/26

Food App

₹2312

#consumer 2847

12:00, 12/08/26

Bill Payment

₹3000

Built for every partner growth objective

Whether your goal is acquiring customers, increasing spend, improving loyalty or reactivating dormant users, TWID helps you influence every stage with measurable business outcomes.

2.75x

Average Improvement in business outcomes achieved by TWID Customers

2.75x

Average Improvement in business outcomes achieved by TWID Customers

+40%

Increase in first purchase conversions

+40%

Increase in first purchase conversions

+15%

Acquire rate

+15%

Acquire rate

+25%

Monthly spend

+51%

Repeat purchase

+51%

Repeat purchase

+21%

Cross Category

+21%

Cross Category

+20%

Reactivation Rate

+20%

Reactivation Rate

Trusted by the Businesses Driving Modern Commerce.

See how leading banks, merchants, brands and fintechs are using TWID to influence customer decisions, accelerate growth and deliver measurable business outcomes.

  • "TWID has become an always-on growth channel for us. By delivering relevant savings at checkout, it gives customers a reason to choose Swiggy more often - driving stronger repeat purchases and long-term customer loyalty.
    ixigo
    Shubham Arora
    Shubham Arora

    Director Payment Partnerships

    Higher Savings per transactions for users

    2% Improvement on cart to order ratio

  • "TWID has become an always-on growth channel for us. By delivering relevant savings at checkout, it gives customers a reason to choose Swiggy more often - driving stronger repeat purchases and long-term customer loyalty.
    ixigo
    Shubham Arora
    Shubham Arora

    Director Payment Partnerships

    Higher Savings per transactions for users

    2% Improvement on cart to order ratio

  • "TWID has helped us grow more efficiently. We've improved checkout conversions, attracted more customers and optimised our promotional investments - all through one intelligent partnership.
    ixigo
    saransh dube
    Saransh Dube

    Head- Banking & Fintech

    Offer Cost reduced by upto 20% on flights

    Scale user growth via acquisition and points

  • "TWID has helped us grow more efficiently. We've improved checkout conversions, attracted more customers and optimised our promotional investments - all through one intelligent partnership.
    ixigo
    saransh dube
    Saransh Dube

    Head- Banking & Fintech

    Offer Cost reduced by upto 20% on flights

    Scale user growth via acquisition and points

  • "TWID helps us make healthcare more affordable while driving stronger business outcomes. Through intelligent savings and personalized customer engagement, we've increased conversions, improved basket value and built deeper customer loyalty."
    apollo 24/7
    kartik sachdev
    Kartik Sachdev

    Head, e-Pharmacy.

    Checkout Conversion improved by 5%

    Observed higher Average Order Value

  • "TWID helps us make healthcare more affordable while driving stronger business outcomes. Through intelligent savings and personalized customer engagement, we've increased conversions, improved basket value and built deeper customer loyalty."
    apollo 24/7
    kartik sachdev
    Kartik Sachdev

    Head, e-Pharmacy.

    Checkout Conversion improved by 5%

    Observed higher Average Order Value

  • “ Twid has unlocked customer segments more effectively, for us. By connecting banking, UPI and loyalty at checkout, we are helping deliver greater value to our customers".
    ixigo
    Arun Raju - Redbus
    Arun Raju

    VP - Products,

    Wider reward options driving incremental savings

    Higher success rates enabling seamless checkout

  • “ Twid has unlocked customer segments more effectively, for us. By connecting banking, UPI and loyalty at checkout, we are helping deliver greater value to our customers".
    ixigo
    Arun Raju - Redbus
    Arun Raju

    VP - Products,

    Wider reward options driving incremental savings

    Higher success rates enabling seamless checkout

Built for Enterprise.

Trusted at Scale.

Security, privacy, compliance and performance are the foundation of every decision, transaction and customer interaction on TWID.

Secured by Design

End-to-end encryption, tokenization, one-way hashing and zero storage of raw customer identities.

SHA 256 SECURED

SHA 256 SECURED

SHA 256 SECURED

•••• •••• 32

•••• •••• 32

•••• •••• 32

Privacy First

Consent, access and audit controls govern every data use.

Consented signals

Consented signals

customer-approved scopes only

customer-approved scopes only

Data minimization

Data minimization

fields limited to decision needs

fields limited to decision needs

Third-party access

Third-party access

outside consented scope

outside consented scope

Compliance Assured

Aligned with global financial security and privacy standards across markets.

  • pcj dss
  • aicpa soc
  • GDPR Complaince
  • Iso 27001
  • Cloud security
  • pcj dss
  • aicpa soc
  • GDPR Complaince
  • Iso 27001
  • Cloud security
Built to Scale

Engineered to handle billions of commerce signals and millions of transactions with consistent performance.

99.99%

99.99%

99.99%

Platform Availability

Platform Availability

Platform Availability

Build on the AI Incentive

Commerce Network.

© 2026 TWID. All rights reserved.

Crafted in India 🇮🇳 for the world.

That's What I Do

Build on the AI Incentive

Commerce Network.

© 2026 TWID. All rights reserved.

Crafted in India 🇮🇳 for the world.

That's What I Do

Build on the AI Incentive

Commerce Network.

© 2026 TWID. All rights reserved.

Crafted in India 🇮🇳 for the world.

That's What I Do