Seamless loyalty for discount and cashback programs
Maximum rewards, minimum friction
Don’t wait weeks to reward your customers. Our Loyalty API delivers real-time and overnight identification of eligible in-store and online purchases, regardless of card, bank or scheme provider. Make the most of your bank-linked solution and gain a 360 view of customer spending to drive personalised offers.

Seamless loyalty for discount and cashback programs.
Maximum rewards, minimum friction
Don’t wait weeks to reward your customers. Our Loyalty API delivers real-time and overnight identification of eligible in-store and online purchases, regardless of card, bank or scheme provider. Make the most of your bank-linked solution and gain a 360 view of customer spending to drive personalised offers.
Here’s what you can do with real-time accuracy

Real-time rewards: Match eligible online and in-store purchases to eligible merchants in seconds
Fast merchant on-boarding: Card, scheme and bank agnostic. No integration required for merchants to set up online and in-store campaigns.
Customer insights: Get an accurate 360 view of customer spending behaviour across merchants, categories and locations
Targeted offers: Target and re-target customers with personalised offers based on spending behaviour
Here’s what you can do with real-time accuracy

Real-time rewards: Match eligible online and in-store purchases to eligible merchants in seconds
Fast merchant on-boarding: Card, scheme and bank agnostic. No integration required for merchants to set up online and in-store campaigns.
Customer insights: Get an accurate 360 view of customer spending behaviour across merchants, categories and locations
Targeted offers: Target and re-target customers with personalised offers based on spending behaviour
FINCHXP MACHINE LEARNING PLATFORM
Market leading accuracy
with Service Level guarantees
Fast onboarding
no card, bank or scheme integration required
Real-time or overnight
to support real-time rewards
Secure platform
Sydney-based servers using ISO-27001 services
Ready to take our Loyalty API for a spin?
Here’s what you’ll get:
Account support and weekly monitoring of activity in your loyalty program
Overnight data intelligence service of up to 1 million end-users or 10 million transactions per job
240+ categories for the modern, digital economy
Transaction information includes merchant name, location, and more
Service-level accuracy guarantee
API support for CSV, JSON, ORC, Apache Parquet and Avro formats
Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee
JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only
Ready to take our Loyalty API for a spin?
Here’s what you’ll get:
Account support and weekly monitoring of activity in your loyalty program
Overnight data intelligence service of up to 1 million end-users or 10 million transactions per job
240+ categories for the modern, digital economy
Transaction information includes merchant name, location, and more
Service-level accuracy guarantee
API support for CSV, JSON, ORC, Apache Parquet and Avro formats
Data channel support for bank-direct, Open Banking or via data aggregators: Basiq, Moneytree, Proviso, and Yodlee
JWT authentication signed using cryptographically secure Client ID/ Secret Key, 3600 sec valid Tokens via HTTPs only