Reach 80% of U.S. Consumers at Checkout

Linque combines identity verification, card discovery, and payment intelligence in your existing checkout — without switching PSPs or e-commerce providers. Works with Stripe, Braintree, Adyen, and more.

50% Conversions

Up to 50% Lift in Conversions vs. Guest Checkout
~80% U.S. Consumers Covered
Average of 80% of U.S. Consumers Covered
98% Auth Rates
Up to 98% Authorization Rates

Linque combines identity verification, consumer and card discovery, and secure credential delivery within your existing checkout flow to:

  • Convert more users
  • Reduce accidental churn
  • Monetize high-value consumers earlier
Details Information
Card brand Last 4 digits
Cart art Expiration month
Expiration year Network token
Card product Rewards
Next payment date Credit limit
Available credit Current balance
Delinquency status Account standing
Delinquency period Delinquent amount
Issuer Cash back rate
Points multiplier Category bonuses

Kiss abandonment and churn goodbye

Real-world use cases that drive measurable improvements in conversion, retention, and revenue.

Reduce Checkout Friction

Checkout goes from form-filling to card-selecting. Linque verifies identity once via phone number and SMS, then instantly surfaces a customer's existing Visa, Mastercard, or Amex. No manual entry, no passwords, no new account required.

You can leverage:

  • Card brand
  • Full PANs
  • Cart art
  • Expiration month
  • Expiration year
  • Network token
  • Card product
  • Rewards

Keep Subscriptions Active

Failed renewals are usually a stale card, not a lost customer. Linque surfaces real-time card health signals like account standing, available credit, delinquency status so you can act before a charge fails, not after.

You can leverage:

  • Next payment date
  • Credit limit
  • Available credit
  • Current balance
  • Delinquency status
  • Account standing
  • Delinquency period
  • Delinquent amount

Consumer Intelligence

Not every customer has the same ability to pay, but most checkout flows treat them all the same. Linque enriches your view of each consumer with credit availability, rewards profile, and financial standing signals so you can tailor pricing and upgrade timing with precision.

You can leverage:

  • Issuer
  • Card product
  • Rewards
  • Cash back rate
  • Points multiplier
  • Category bonuses
  • Credit limit
  • Available credit

NOW IN BETA

Test it for Yourself

This demo shows the exact experience your users get: verify, match, and return results in a few seconds.

  • Built for privacy: minimal data, purpose-limited
  • Secure verification step before any retrieval
  • Real-time, production-like behavior

What is Linque?

We aggregate proprietary data sets from providers around the world and deliver them through a single API. New providers are added every month, continuously expanding what you can access from one platform.

Dataset 01

Dataset 02

More coming soon

Linque Checkout POC

  1. Type your name and phone number We'll find your saved cards to make checkout faster.

By checking this box, I agree to the Terms and Conditions

  • Skip card entry
    • Bank-level security
    • Encrypted
    • Find my cards

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HOW IT WORKS

Easy-to-maintain infrastructure that’s simple for end-users

Give customers more payment options with less input from them and less maintenance from you.

Discover existing payment credentials

Customers enter only their first name, last name, and phone number to instantly access available payment methods.

Do More with Full Account Numbers

Instead of getting obfuscated tokens, you have access to the full primary account numbers (PANs) and bank account numbers for 80-90% of US consumers.

Retrieve Enriched Payment Intelligence

Retrieve additional payment information, including credit limits, balances, payment dates, and account standing that you can use for upsell and retention.

Why Basis Theory?

Tell us what you need—we’ll show how Basis Theory secures your data and speeds up your business.

  • Level 1 PCI compliant CDE
  • Vault is compatible with any PSP
  • Supports merchants across the world

Quote

“I believe from the time we initiated the first conversation to the time we went live, it was all wrapped up in two weeks. It was fast and without any hiccups.”
—Mit Shah, Co-Founder and COO of Method Financial

More of the transactions you want. Less of the risk and fraud you don't. Start testing now or discuss your use case with our team today.