Partners
KACHING connects banks, merchants and customers through merchant-funded rewards — paid out as cashback, as points in your own programme, or both. One platform, one merchant network, your reward currency.
Live with Pluxee · Partner to Revolut · Part of Mastercard Lighthouse
KACHING was founded by fintech professionals who saw that banks sit on the most valuable transaction data in the world — and that most of it goes unused. We built the infrastructure that turns it into a merchant-funded rewards ecosystem inside banking apps: customers earn automatically on everyday card spending, merchants pay only for results, and banks gain engagement, analytics and a new revenue line. Whether a bank rewards in cashback, in points, or in both is a configuration — not a constraint.
We're headquartered in Stockholm at Epicenter and work with banks, paytechs and benefits providers across Europe and LatAm.
Every KACHING programme runs on the same engine: merchants fund a percentage of each verified purchase. What the customer receives is up to the bank.
Real money, straight to the customer's account. Instant, tangible and universally understood — the fastest way to make a card top-of-wallet.
Feed the loyalty programme you already run. Merchant-funded value converts into your points at a rate you define, so every campaign accelerates the currency your customers already collect.
Cashback for everyday spend, points for campaigns — or a mix by segment, by campaign, by market. Switch or combine without a new integration.
Same merchant campaigns. Same API. Same analytics. Only the payout changes.
KACHING runs as a shared platform per market with a separate white-label instance for every bank. One bank can reward in points while another pays cashback — on the same market, funded by the same merchant campaigns. For merchants, one campaign reaches the customers of every participating bank. For banks, the merchant network is live from day one.
Launch the full KACHING experience as a white-label module inside your app — offers feed, activation, reward history — the way Pluxee does. Or take offers and rewards through our API into an interface you already own — the way Revolut does. Both are live in 2–4 weeks.
Live with Pluxee. The global employee-benefits company runs KACHING as a white-label cashback module inside its own app, across several European markets.
Partner to Revolut. Merchant-funded rewards flow through our API into Revolut's own app and are converted into RevPoints.
Two partners. Two reward currencies. Two ways to integrate. One platform.
Rewards at the moment of transaction — cashback or points — create 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 funds campaigns on performance. Merchants only pay on verified transactions — and one campaign reaches every bank on the platform.
Cashback, points or hybrid, with conversion rates, payout rules and a reward ledger per bank. Switch or combine currencies without a new integration.
Plug-and-play REST API connects in 2–4 weeks — as a white-label module or headless. 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 rewards start accumulating from their very next transaction.
Merchants fund a share of every verified purchase.
Cashback to the account or points into your programme — automatically, in real time.
A real-time dashboard gives your team full visibility into engagement, reward payouts, campaign attribution, and market intelligence — updated live as transactions flow through.
Can't find your answer?
We work with banks, paytechs, benefits providers and card networks across Europe. Tell us about your organisation — and whether you think in cashback, points or both — and we'll get back to you within one business day.
We'll walk you through the platform live — reward setup, analytics dashboard, and merchant campaigns. Typically 30–45 minutes.
This opens an addressed email draft. 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.