{
  "id": 5595151,
  "title": "77% of Merchants Are Ready to Share Data for Smarter Checkout",
  "url": "https://urgent.news/2026/09/04/77-of-merchants-are-ready-to-share-data-for-smarter-checkout-5595151",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-09-04T15:54:54.000Z",
  "source": {
    "name": "PYMNTS",
    "slug": "pymnts",
    "url": "https://www.pymnts.com/connectedeconomy/2026/77percent-merchants-are-ready-to-share-data-for-smarter-checkout/"
  },
  "original_language": "en",
  "account": "Seventy-seven percent of merchants are eager to share data with payment platforms to enable smarter checkout systems, according to PYMNTS Intelligence research. These payment platforms possess vast transaction data, but they desire additional merchant information such as customer identity, product details, rewards, and transaction performance to enhance the checkout experience. This data resides across various entities, including merchants, issuers, processors, and artificial intelligence (AI) platforms. Merchants are willing to grant payment providers access to these valuable insights, even if they pertain to purposes beyond completing a single transaction. For instance, Stripe utilizes over 100 signals, including real-time payment-method availability and patterns among similar customers, to determine the most suitable payment methods for individual checkout sessions. Similarly, Adyen's Personalize leverages payment data and shopper recognition to personalize the checkout process. The integration of these functions into a single checkout system offers merchants the ability to create a consistent customer identity across channels and apply it directly during the checkout process. The primary benefit for large payments platforms lies in their scale, allowing them to observe payment performance across a broader population and provide merchants with contextual information about their customers, products, and commercial objectives. However, the arrangement becomes more complex as AI platforms enter the shopping landscape. While 77% of merchants are willing to share data, only 23% can accurately identify both traffic and purchases generated by AI agents. AI services may observe customer intent and product comparisons, while merchants retain knowledge of their customers, inventory, pricing, and margins. Issuers understand cardholder relationships and rewards, and payments providers possess transaction performance data across their networks. Smart checkout systems create value by combining relevant pieces of information at the moment when customers are ready to purchase. For smaller businesses, leveraging these capabilities through a payments provider may be more practical than investing in the necessary data infrastructure. Merchants' trust in sharing this data holds commercial value, as payment providers can build models from transaction activity across their networks, merchants can supply customer and commercial context, issuers can contribute payment credentials and rewards, and AI platforms can offer insights generated during product discovery. The challenge lies in connecting these signals, but the opportunity lies in obtaining merchant permission to do so.",
  "summary": "Payments platforms have plenty of transaction data. Smart checkout is raising the value of the merchant information they do not have. The technology can draw on payment history, customer identity, product information, rewards, previous purchases and transaction performance to determine what a shopper sees at checkout. Those records don’t reside in one place. Merchants, issuers, […] The post 77%…",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "PYMNTS",
        "title": "77% of Merchants Are Ready to Share Data for Smarter Checkout",
        "url": "https://urgent.news/2026/09/04/77-of-merchants-are-ready-to-share-data-for-smarter-checkout",
        "published": "2026-09-04T15:54:54.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}