Add loyalty / cashback to cards
Reward customers on top of a card programme. Below is the product stack you need, with verified European providers for each layer - compare by EEA data residency, licence and regulator.
How the stack fits together
Card-linked loyalty sits on top of the transaction stream: the rewards engine sees each purchase, matches it against offers or rules and credits cashback or points. That makes it the most data-hungry layer of a card programme - and the one where hosting and the vendor's ownership matter most, because the vendor processes every merchant, amount and timestamp your customers generate.
Step 1 — Rewards / loyalty engine required
Card-linked offers, cashback and points on the transaction stream.
What to check: Ask where transaction data is processed and stored, whether offers are funded by merchants or by you, and how rewards reconcile with the card ledger.
- Comarch EU core Poland
- Open Loyalty EU core Poland
- Talon.One EU core Germany
In the catalogue — Card-linked rewards & loyalty: 8 live providers, 4 with data in the EEA; all unlicensed technology vendors, 4 of them EU-core.
Browse all: Card-linked rewards & loyalty
Step 2 — A card programme to attach to optional
Loyalty rides on top of an existing or new card programme.
What to check: Confirm your issuer processor can stream authorisation or clearing data to the rewards engine in real time.
In the catalogue — BIN sponsor: 21 live providers, 10 with data in the EEA; 17 with their own EEA passport, 3 able to issue credit. Card issuing software: 62 live providers, 30 with data in the EEA; 21 also sponsor the BIN, so issuing and licence come in one contract.
Browse all: BIN sponsor · Card issuing software
Sovereignty notes
- Card-linked offers read the most sensitive data - the transaction stream. Keep that processing in the EEA.