Payment-linked Multi-Merchant Rewards
Turn Every Payment Into a Value Moment
Transform everyday card payments into powerful, real-time incentives across an entire merchant ecosystem. CRM.COM’s Payment-Linked Multi-Merchant Rewards engine lets banks, FinTechs, issuers and merchant alliances deliver instant cashback, benefits and personalised value — automatically applied when customers pay with a linked card or wallet — online and in-store.
No manual claims. No codes. No friction. Just real-time value that deepens engagement and drives repeat behaviour.
A Modern Rewards Program That Actually Works
Forget outdated points programs. With CRM.COM, rewards are native to the payment flow — making the experience effortless for customers and simple for partners.
Customers simply:
Link a card or wallet
Spend at participating merchants
Receive value instantly into their wallet
Value is awarded in real time, using CRM.COM’s PSD2-compliant eWallet with 3 purpose-built pockets (Cash, Business, Commerce). This makes rewards meaningful, governed, and immediately spendable across the network.
Built for Banks, FinTechs & Merchant Networks
Whether you're launching a bank-led utility wallet, a FinTech-driven reward club, or a merchant alliance looking to increase footfall, CRM.COM provides the infrastructure to launch and scale payment-linked programs fast.
Create branded programs across multiple merchants
Combine card-linked rewards with wallet allowances, passes and cashback
Enable co-funded or fully funded incentive models
Deliver real-time value at POS, online, or across digital channels
A single unified engine powers the entire ecosystem.
A Powerful Real Time Rewards Engine
Define sophisticated rules and automate everything end-to-end:
Reward by merchant, category, SKU, time, basket or spend
Apply cashback directly into the wallet
Trigger incentives based on customer behaviour, subscription lifecycle or segments
Track performance by offer or merchant
Optimise value-to-cost ratios with granular controls
CRM.COM handles the intelligence, event processing and eligibility decisions — all in milliseconds.
Why CRM.COM is Different?
Real-Time, Payment-Linked Rewards – No manual claiming, no codes
FinTech-grade eWallet – Cashback is accumulated in PSD2 compliant EMI-grade eWallet
Real-Time Triggers – Incentives fire based on actual customer activity
Multi-Merchant Ecosystem– Reward across an entire ecosystem, not just one brand
Flexible Funding Models — Bank-funded, merchant-funded or co-funded
Branded Apps – Fully branded interface of no code apps
Operational Intelligence — BI dashboards transform payment data into actionable insights
This is next-generation loyalty built for modern fintechs, issuers and merchant alliances.
Real-World Impact
A wallet provider increased monthly transactions by 35% using cross-merchant cashback
A retail banking group launched a multi-merchant payment-linked incentive club in under 3 months
An alliance of retailers used CRM.COM’s wallet pockets to reward shoppers with real-time targeted value
Seamless Integration. No App Changes Needed.
This solution works silently in the background, with no customer training required. It plugs into your existing:
Card rails (Visa, Mastercard)
eWallet
POS (no POS changes required)
Your customers keep using their existing cards and apps — but now every payment becomes a chance to earn real value.
Make Loyalty Invisible — and Irresistible
With CRM.COM, banks, FinTechs and merchant alliances can deliver smart, real-time rewards that influence behaviour, increase spend and strengthen retention. Whether you’re launching a new fintech proposition or modernising an existing loyalty program, CRM.COM helps you scale fast and grow even faster.