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ACTTRAQ

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Funded Offers

Merchant-funded cashback, rewards and incentives — qualified against purchases that verifiably happened.

The problem

Someone has to pay for the reward.

Loyalty economics break when the issuer funds every incentive out of a margin interchange compression is already squeezing. Merchants will happily fund rewards that drive incremental spend — but only if they can see that the spend occurred. Without verified transaction data that proof does not exist, so the merchant does not pay, and the issuer does.

How it works

Configured by the merchant, verified by the transaction.

  • The funding merchant sets the terms

    Category, threshold, reward, budget and duration are configured by the merchant funding the offer, inside the issuer's programme rules.

  • Qualification is verified, not claimed

    Eligibility is evaluated against the actual authorization — the right merchant, the right amount, the right window. There is nothing for the cardholder to submit and nothing to dispute.

  • Settlement reconciles three ways

    Every qualified event is individually auditable, so the funding merchant, the issuer and ActtraQ all reconcile against the same record.

What it delivers

Richer rewards, funded elsewhere.

Who it is for

Issuers who want to run richer rewards without funding them, and merchants who want to pay only for spend they can actually see.

  • Rewards funded by merchants rather than out of issuer margin
  • Cashback, points, prize draws and threshold mechanics
  • Qualification verified at the authorization moment
  • Auditable settlement for every funded event

Other solutions

See it running against your own portfolio.

The fastest way to evaluate this is a scoped pilot on a segment you already worry about.

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