Dynamic Yield

Overview

Dynamic Yield by Mastercard is an enterprise personalization and experimentation platform. Acquired by Mastercard in 2022, it is now delivered as the "Experience OS" — one system that algorithmically matches content, products and offers to each individual customer across web, mobile app, email and in-store touchpoints. It is an 8-time consecutive Leader in the Gartner Magic Quadrant for Personalization Engines (through 2026), a Forrester Wave Leader for Experience Optimization Solutions, and serves 400+ global brands across retail, grocery, QSR, travel and financial services.

Key Features

• A/B & multivariate testing (client + server-side): Bayesian and multi-armed bandit statistical engines, Dynamic Traffic Allocation and Affinity Allocation to route traffic to winning variations automatically.
• Product recommendations: journey-aware recommendation engine with collaborative filtering, user-affinity, geo-based predictive spend and deep-learning (AdaptML) models; visible uplift — e.g. 88% ARPU increase (GlassesUSA) and 8x conversion uplift (grocer case studies).
• Experience Search: next-generation AI search with semantic understanding and visual AI that captures real user intent, reduces maintenance and boosts long-tail product visibility.
• Shopping Muse: generative-AI shopping assistant that turns conversational prompts like "outfits for a summer wedding" into curated product guidance.
• AdaptML: decisioning core using recurrent neural networks (RNN) and NLP that retrains continuously from live sessions instead of rigid if-then rules.
• Audience Hub: unified identity and segmentation combining real-time behavior with CRM, CDP segments and Mastercard spend insights.
• Sorting Optimizer: dynamically reorder category and listing pages by conversion, margin or affinity.
• Journey Orchestration & Reconnect: trigger personalized messages via email, SMS, web and push at critical moments; multi-channel journeys beyond single pages.
• Experience Email / Experience App: predictive emails that adapt in real time, plus iOS/Android personalization via Kotlin and Swift SDKs.
• Feature Flags & Predictive Targeting: deploy features to specific audiences without code; automatically convert every A/B test into a personalization opportunity.
• Mastercard Element (exclusive): anonymous transaction data, propensity-to-spend models and a Market Basket Analyzer that finds cross-category purchase adjacencies beyond a brand's own catalog.
• Open architecture: WYSIWYG visual editor, personalization APIs and SDKs, SPA support, and integration with DMPs, tag managers, web analytics and commerce/CMS platforms.

Pricing

Enterprise-only, custom quote — there is no public self-serve tier. Industry estimates place entry around $35,000/year, and contracts reportedly start near $60,000/year, scaling above $200,000 for global multi-country deployments. Pricing scales primarily with monthly active users/sessions, selected modules (web + A/B base; Experience Search, Shopping Muse and cross-channel sync as add-ons), server-side API usage and Mastercard data access. Setup fees are often waived. A 14–30 day trial is available by scheduling a demo with the sales team.

Best For

Enterprise brands with 8-figure+ online revenue, dedicated e-commerce/data teams and complex multi-locale personalization needs — high-traffic retail, QSR (digital menus/kiosks), grocery and financial services that can leverage Mastercard's data layer as a genuine moat.

FAQ

Who owns Dynamic Yield?

Mastercard, which acquired it in 2022 and operates it under its Data & Services organization as "Dynamic Yield by Mastercard."

How much does Dynamic Yield cost?

Custom enterprise pricing. Industry estimates put entry around $35,000–60,000/year, scaling above $200,000 for global deployments; no self-serve tier is available.

What makes it different from Shopify-native or mid-market tools?

The depth of the experimentation suite (server-side testing, MAB, algorithm comparisons), cross-channel orchestration, AI search/assistant (Experience Search, Shopping Muse) and exclusive Mastercard transaction data for targeting.

Does it have a free trial?

No self-serve trial; a 14–30 day trial is available via sales demo.

Is Dynamic Yield suitable for small stores?

Generally no — it is over-engineered for SMBs (under roughly $50M revenue); mid-market operators often get better value from lighter platforms.