Introduced here is a technology that enables a merchant to create customer-targeted, customized digital receipts by use of a merchant platform executing on a financial service system. The merchant platform generates feature programs for incorporating in a digital receipt based on customer segmentation. The customer segmentation includes one or more groups of customers segmented based on one or more attributes associated with each group of customers. An attribute is determined based on data collected by the financial service system, where the data is related to the merchant and other merchants that are either similarly situated as the merchant or similarly located in a geographical area as the merchant. The feature programs can include a feedback program, a loyalty reward program, a promotion program, and/or a tipping program.