How Tandym Transformed Payments with Merchant-First Credit Cards and Personalized Customer Experiences

May 23, 2023

Impact summary

Leading commerce coverage

The velocity of shipping new platforms

Customer-centric agility

The problem

The Power of Integration

David recognized the critical importance of commerce integrations to their product in the early days. By unlocking access to customer purchase data on e-commerce platforms such as Shopify, Magento, and WooCommerce, they equipped merchants using Tandym with the insights necessary to tailor the customer experience optimally.

Data on customer order histories, purchase frequency, and product preferences empower Tandym's merchants to craft targeted marketing messages, driving conversion rates and enhancing the customer journey.

The solution

The 'Buy vs Build' Dilemma

As a startup, Tandym had to balance numerous priorities. David explained how strategic resource allocation led them to prefer investing in their core product development over building individual integrations for various e-commerce platforms.

Tandym envisages a future where additional coverage through a universal API enables them to extend their customer reach.

Tandym's agility as a startup is one of its greatest assets. Engaging Rutter for customer integration needs was a strategic move that fast-tracked Tandym's market entry.

Investing in Rutter wasn't just about saving time. It was about avoiding missed opportunities. If we had tried to build it ourselves, we wouldn't have prioritized it as it wouldn't have been critical enough to our core product to justify the time investment.
David Anderson
Co-Founder & CPO
The impact
Leading commerce coverage
Rutter's commerce-first approach and robust e-commerce platform coverage stood out.
The velocity of shipping new platforms
Rutter's API included 10 e-commerce platforms at the time of the partnership. Since then, they've added 30+ platforms in under a year, validating Tandym's conviction in Rutter's delivery speed.
Customer-centric agility
Rutter's responsive engineering and support teams worked closely with Tandym to address any blockers and facilitate a seamless onboarding process.
The future

Looking Ahead: Leveraging Unique Data for SMB Lending and Personalized Product Offerings

With Rutter unlocking access to a wealth of commerce endpoint data, Tandym is set to redefine the future of merchant-first card offerings.

Tandym's future plans include launching a lending product for merchants, with this unique data informing their underwriting models.

Merchant data is a unique resource we're excited to integrate. It's truly orthogonal and allows us to make smarter decisions. Traditional credit bureaus like Equifax or Transunion can't provide these insights.
David Anderson
Co-Founder & CPO
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How Tandym Transformed Payments with Merchant-First Credit Cards and Personalized Customer Experiences

Discover how Tandym revolutionizes payments through Merchant-First Credit Cards, enriching customer journeys by leveraging Rutter's universal API for seamless commerce integrations.

$1 Million
Investment in Rutter's API accelerated market entry, saving on potential lost opportunities
40
E-commerce platforms integrated within a year, expanding Tandym's commerce coverage exponentially.
Industry
Financial Technology
Company Size
5+
Location
Chicago
Key Integration
Shopify, Magento, WooCommerce (via Rutter’s universal API)

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The problem

The Power of Integration

David recognized the critical importance of commerce integrations to their product in the early days. By unlocking access to customer purchase data on e-commerce platforms such as Shopify, Magento, and WooCommerce, they equipped merchants using Tandym with the insights necessary to tailor the customer experience optimally.

Data on customer order histories, purchase frequency, and product preferences empower Tandym's merchants to craft targeted marketing messages, driving conversion rates and enhancing the customer journey.

The solution

The 'Buy vs Build' Dilemma

As a startup, Tandym had to balance numerous priorities. David explained how strategic resource allocation led them to prefer investing in their core product development over building individual integrations for various e-commerce platforms.

Tandym envisages a future where additional coverage through a universal API enables them to extend their customer reach.

Tandym's agility as a startup is one of its greatest assets. Engaging Rutter for customer integration needs was a strategic move that fast-tracked Tandym's market entry.

Investing in Rutter wasn't just about saving time. It was about avoiding missed opportunities. If we had tried to build it ourselves, we wouldn't have prioritized it as it wouldn't have been critical enough to our core product to justify the time investment.
David Anderson
Co-Founder & CPO
The impact
Leading commerce coverage
Rutter's commerce-first approach and robust e-commerce platform coverage stood out.
The velocity of shipping new platforms
Rutter's API included 10 e-commerce platforms at the time of the partnership. Since then, they've added 30+ platforms in under a year, validating Tandym's conviction in Rutter's delivery speed.
Customer-centric agility
Rutter's responsive engineering and support teams worked closely with Tandym to address any blockers and facilitate a seamless onboarding process.
The future

Looking Ahead: Leveraging Unique Data for SMB Lending and Personalized Product Offerings

With Rutter unlocking access to a wealth of commerce endpoint data, Tandym is set to redefine the future of merchant-first card offerings.

Tandym's future plans include launching a lending product for merchants, with this unique data informing their underwriting models.

Merchant data is a unique resource we're excited to integrate. It's truly orthogonal and allows us to make smarter decisions. Traditional credit bureaus like Equifax or Transunion can't provide these insights.
David Anderson
Co-Founder & CPO

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