Glossary · Payments
Best-Card Recommendation at Checkout
Pikt recognizes where you're paying and names the best card to use right then — online it auto-fills that card at checkout, and in-store it surfaces it on your lock screen as you walk in.
Pikt never issues a card or moves your money. It carries the decision, not the dollars: when you're about to pay, Pikt knows the store, the amount, and the spending category, and picks the card in your wallet that earns the most.
Online, the Pikt Checkout browser extension recognizes the store and fills your best card in for you at checkout. In-store, Pikt Nearby is location-aware and sends a lock-screen notification naming the best card to use — and can prompt you to set that card as your Apple Pay or Google Pay default.
Pikt tells you the best card to use — and online, it fills it in for you. You still tap or pay yourself; Pikt just makes sure the right card shows up at the right moment.
Related terms
- Reward Routing — Reward routing is the practice of automatically selecting, at the moment of purchase, the credit card in your wallet that earns the most value on that specific merchant and category.
- Merchant Category — A merchant category is how card networks classify what a store sells — for example, restaurants, grocery stores, or gas stations.
- Checkout Approval — Checkout approval is the instant yes-or-no when you pay with a card, before the money actually moves hours or days later.