Merge is a startup that aims to help consumers maximize credit card rewards by choosing the most optimal credit card for each transaction. It analyzed that Americans have an average of 4 credit cards but do not pay attention to rewards programs, resulting in $40 billion in lost rewards annually. Merge's mobile app will connect to users' credit card accounts, analyze the rewards programs for each card, and automatically select the best card to use based on the merchant. It plans to launch with an MVP that recommends the best card without accessing account details, then add functionality over time to sync with bank accounts and integrate with browsers. The founder has a technical background and experience in fintech.

1. Building the future of payment

2. 250+
CONSUMER
INTERVIEWS
5000+
WAITLIST
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3. ON AN AVERAGE
AMERICANS HAVE 4
CREDIT CARDS
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4. SUZY
HAS 4
CREDIT
CARDS
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5. REWARDS
CASHBACKS
OFFERS
(KEEP ON CHANGING)
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6. THE $40 BILLION PROBLEM
MARKET GAP
1.5 Billion Credit Cards (4 Credit Cards/ Person in
US) transacting over $4 Trillion/year
75% transactions are not optimized for getting the
maximum discounts/ rewards/ cashbacks
CONSUMER HABITS
90% of interviewed credit card holders do not pay
attention to rewards/ cashback deals when
making daily purchases
LOSS OF VALUE
Assuming there is an average loss of 1% cashback
on potential earned rewards from credit cards,
Americans are losing $40B annually
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CARD MANAGEMENT
80% of users choose a random credit card for
payment from the multiple cards they have, which
results in less than a 25% chance for getting the
most optimal card

7. AMERICANS ARE LOSING $40B YEARLY
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1%
Rewards
Loss
$4T
Purchased
via Credit
Card
$40B lost
by US
consumers
x =

8. WHAT IF…
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9. Merge combines all your credit cards into
one Merge Card and chooses the most
optimal card for a particular transaction to
help you maximize your rewards

10. 2022 Pitch Deck 10
Point of Sale
Maximizes total
monetary reward
Debits
payment
from most
optimal card
WORKFLOW

11. COMPETITIVE LANDSCAPE
CONVENIENT
Digital Wallet
Service (Apple
Pay)
MERGE
EXPENSIVE AFFORDABLE
0 or 1
Credit Card Self-Managing
Cards
INCONVENIENT
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Max Rewards/
Card Pointers

12. BUSINESS MODEL
UPSELLING FREEMIUM LOANS
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Offer Listing
Fees for
Businesses
(Fintech, &
other
consumer
brands)
Provide more
comprehensive
Merge
algorithm
2x savings on
premium vs.
free version
Peer-to-Peer
loans
(Create of
pool of high
credit score
individuals)

13. CREATING THE $40 BILLION SOLUTION
2022
JUNE JULY DEC
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MVP V 2.0 MERGE (FULL SUITE)
Seed Funding
5000 users 15000
users
OCTOBER
V 3.0 50000
users

14. MVP (JUNE) [PROTOTYPE COMPLETE]
NO CARD
INFORMATION
REQUIRED
Users do not need to
input their credit card
information except the
type of card they have
(E.g., American Express
Platinum Card, Discover
Student Card)
THE BEST CARD
BASED ON YOUR
MERCHANT
The Merge algorithm
inputs the offers of every
credit card for the
merchant and aligns the
cards in order of the most
profitable card for
payment
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15. V2 (JULY)
SYNCING WITH
BANK ECOSYSTEM
Users scan their credit cards or
sign into their credit card
provider accounts which
automatically populates the
Merge app with their credit card
rewards information (Improved
Accuracy)
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16. V3 (OCTOBER)
Implement a Chrome/Safari
Extension that abstracts
user payment inputting and
automatically applies the
Merge algorithm to pay with
the most optimal credit card
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17. SEED FUNDING:
$500K
BURN RATE
$40K/Month x 12 Months + $20K Reserve
OVERSEAS DEVELOPMENT
$20K/Month: Hiring 6 overseas developers in India
LOCAL PRODUCT DEVELOPMENT
$20K/Month: two full-time developers & logistics
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18. FOUNDER
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1. Undergraduate CS & ORMS @ UC
Berkeley
2. 2nd Time founder
3. 3 years of Fintech/Buy-Side Finance
Experience
4. Credit Card Enthusiast
5. LinkedIn
BHAVYE KHETAN