Partner programme
A product line your terminals can already carry
You have the merchants, the terminals and the settlement. What you do not have is a way to serve the balances your card rails were never going to carry — gift cards, employee allowances, restricted budgets. That product exists; it just needs your distribution.
Updated
At a glance
- Deployment
- On the terminals already installed
- Branding
- White-label: your name throughout
- Commercials
- Revenue share, per-terminal fee or hybrid
- Timeline
- 6–8 weeks to a live pilot
Updated
Why this does not cannibalise card volume
Closed-loop transactions are not card transactions that moved. They are spending that either happened in cash, happened on a paper voucher, or did not happen at all because the merchant had no way to hold a balance.
A merchant who launches a gift card programme sells value up front and keeps the float — and then spends it in their own network, on your terminals, generating your fees rather than a competitor's.
The merchants most interested are the ones whose needs card acceptance already fails: employers funding meals, fleets funding fuel, campuses funding a closed population.
- Interchange does not apply, so the fee structure is a commercial decision rather than a scheme rule.
- Multi-tenant administration lets you run many merchants under one master account.
- Full transaction data stays with you and the merchant — no scheme sits in the middle of it.
How a bank rolls it out
- 01
Pick the merchant segment
Usually the one already asking for gift cards or employee accounts.
- 02
Integrate once
REST API and Terminal SDK against a sandbox, with our engineers alongside yours.
- 03
Pilot on 5–10 merchants
Across POS and online, to see the flow and the reporting under real volume.
- 04
Enable the portfolio
Per merchant or globally, on your schedule, under your brand.
What you operate
- The merchant relationship
- Yours; contracts, pricing and support front-line
- The ledger
- Ours; operated, maintained and certified
- The terminals
- Yours, unchanged — the flow sits beside card acceptance
- Wallet certifications
- Held and renewed by us for both platforms
- Compliance
- Structured together, inside the limited-network exemption
- Reporting
- Per merchant, per channel, per period
Questions about this
What data stays with us, and what goes to Visa or Mastercard?
All of it stays, and none of it goes. Closed-loop transaction data belongs to you and the merchant, nothing routes through the card schemes, and interchange does not apply. You get full attribution — who spent what, where and when — across POS and online in one dataset.
How does revenue share work?
A percentage of every transaction fee generated by merchants in your portfolio, applied uniformly across POS and online. The exact rate depends on volume, merchant category and deployment model. Monthly reporting separates offline and online volume so channel performance is visible.
Does this compete with our existing card business?
No. Closed-loop stored value is a different product from open-loop acquiring and from a points programme. It adds a parallel line with better economics for the merchant categories card rails serve poorly — gift cards, employee allowances, restricted-use budgets, B2B2E — without touching the card volume you already have.
Talk to us about your merchant portfolio
A free 30-day pilot, configured and supported by our team.