KACHING connects banks, merchants, and customers through intelligent cashback — driving engagement, deepening loyalty, and unlocking revenue through data no one else has.
KACHING was founded on a simple belief: banks sit on the most valuable transaction data in the world, yet most of it goes unused. We built the infrastructure to change that.
Our platform creates a merchant-funded cashback ecosystem that lives inside your banking app. Customers earn automatic rewards on everyday spending. Merchants reach proven buyers with measurable ROI. Banks deepen engagement, generate new revenue, and gain a competitive edge through analytics no card scheme can replicate.
We're headquartered in Stockholm at Epicenter and work with banks across Europe and LatAm.
Cashback at the moment of transaction creates habitual engagement with your banking app. When customers earn in real time, they open the app more, notice the benefit, and tell others.
Personalised offers based on real spending behaviour create relationships beyond the account. Customers who feel rewarded stay longer, spend more, and churn significantly less.
Understand market share, track competitors, measure campaign attribution, and surface behaviour patterns — all from the richest data source in retail: the bank card.
A curated network of brands who fund cashback campaigns targeting your cardholders. Merchants only pay on verified transactions — a performance model that's self-optimising and fully accountable.
Plug-and-play API integration connects to your existing infrastructure in 2–4 weeks. Hosted on AWS with enterprise security and GDPR compliance — no card scheme changes required.
KACHING connects to your bank's app via a lightweight REST API. No card scheme changes, no heavy IT project. A standard integration is live within 2–4 weeks from contract signing.
A simple consent flow inside your banking app is all it takes. Customers agree, their existing card is linked automatically, and cashback starts accumulating from their very next transaction.
Campaigns are fully merchant-funded. Your bank carries zero financial risk. Merchants set their offer, target the right customer segment, and only pay when a qualifying transaction occurs.
A real-time dashboard gives your team full visibility into engagement, cashback payouts, campaign attribution, and market intelligence — updated live as transactions flow through.
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We work with banks, card networks, and financial institutions across Europe. Tell us about your organisation and we'll get back to you within one business day.
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We'll walk you through the platform live — cashback setup, analytics dashboard, and merchant campaigns. Typically 30–45 minutes.
We typically respond within a few hours on business days.
Whether you're exploring KACHING for the first time or ready to move forward — we'd love to hear from you.