Card-Linked Offers: Link a Card Once, Earn Automatically
Shoppers link a Visa or Mastercard credit or debit card one time. When they pay with it at a participating merchant, the purchase is verified by the card transaction and the reward is issued. No receipts to scan, no check-ins.
Why brands run card-linked offers
Engage campaigns: reward the purchase itself.
Nothing to scan
The card transaction is the proof of purchase.
Every purchase verified
Rewards follow real spend at the merchants you choose.
Target merchants and locations
Offers can apply at specific retailers, chains or stores.
Spend you can see
Qualifying transactions, repeat visits and reward cost, by merchant.
How a card-linked offer runs
From the shopper's phone browser. No app, no POS integration.
Verification and rewards
How participation is verified
- Card transactionDetected automatically at participating merchants
- Hosted enrolmentA PCI-compliant card-linking provider holds the card; the site never collects or stores full card numbers
- Clear consentShoppers agree to purchase monitoring at participating merchants and can unlink any time
Reward options
- Cash backPaid to Venmo, PayPal or a prepaid card
- PointsEarned on every qualifying transaction
- Gift cardsUnlocked at a spend milestone
Example: spend $25 at a participating merchant, get $5 back
Goal: drive spend at a regional grocery chain. Offer: link a card, spend $25 or more in one transaction at the chain during the month, get $5 back. Supported cards: Visa and Mastercard, credit and debit.
- Cards linked and active
- Qualifying transactions by merchant and store
- Rewards issued and average spend
- Repeat transactions per linked card
What you would see
Illustrative example with sample data. Not an active offer.
What a card-linked offer shows
Every offer lists the supported cards, the participating merchants and the terms before the shopper links a card.
Spend $25, get $5 back
Sample offer
- Supported cards: Visa and Mastercard, credit and debit
- Participating merchants: listed per offer, by chain or location
- Offer terms: dates, minimum spend, limit per card, payout timing
Consent and control
What the shopper agrees to
- Purchases at participating merchants are monitored for this offer
- Enrolment is hosted by a PCI-compliant card-linking provider
- The site never collects or stores full card numbers
- Unlink a card at any time from the campaign page
Where card-linked offers fit
Retailer partnerships
Offers that drive spend at one chain.
Frequency programs
Reward every visit without asking for a receipt.
Always-on loyalty
Link once, earn for as long as the offer runs.
Frequently asked questions
Is the card number stored on the site?
No. Card linking runs through a PCI-compliant card-linking provider’s hosted enrolment. Fynloy and the campaign site never collect or store full card numbers.
What does the shopper agree to?
Clear consent to monitor purchases at participating merchants for the offers they joined, with instructions for unlinking a card at any time. Each offer lists the supported cards, the participating merchants and the offer terms.
Can an offer be limited to certain stores?
Yes. Offers can target specific merchants, chains or locations.
Do shoppers need to download an app?
No. Shoppers scan a QR code or open a link and take part in their phone browser. Registration, receipt upload and reward claim take under a minute.
Is POS integration required?
No. Receipt validation and product codes verify purchases at any retailer without touching the store’s systems. Retailers take part at no cost.
Who funds the rewards?
The sponsoring brand funds shopper rewards. Platform fees, campaign services and fulfilment are set out separately in your proposal.
What can we measure?
Registrations, verified purchases by product, retailer and period, rewards issued and redeemed, and repeat activity, in one dashboard. Metrics depend on the verification method chosen.
How do we start?
Tell us the products, the retailers and the goal. A pilot campaign is the fastest first step: request a pilot.
Fynloy provides promotion technology and does not provide legal advice. Campaign sponsors are responsible for the compliance of their offers, rules and marketing materials.
More ways to engage shoppers
Campaigns combine. Start with one and add the next when the results are in.
Reward every purchase with zero friction
Tell us the merchants and the offer. We will set up card linking, consent and reporting.
Works at any participating retailer · No app download for shoppers · Start with a single pilot campaign