Define rules in minutes, not months. Spense Rewards handles points accrual, burn, statement generation, and transaction processing — all through a single API.
From rule configuration to point redemption — a complete loyalty engine out of the box.
Create reward rules based on MCC codes, transaction amounts, merchant categories, and custom dimensions. Rules update in real-time with no downtime.
Earn and redeem points seamlessly. Support for multipliers, bonus campaigns, caps, and expiry — all configurable per tenant.
Auto-generated reward statements with full transaction history. Export to CSV, Excel, or consume via API for custom dashboards.
Isolated reward programs per tenant with independent rules, MCC exclusions, and branding. Onboard new partners in minutes.
End-to-end encryption, role-based access, IP whitelisting, and full audit trails. Built for PCI-DSS and banking compliance.
Track reward accruals, burn rates, program ROI, and customer engagement. Dashboards and alerts for every metric that matters.
Full-stack rewards processing — earn, burn, track, and report.
| Capability | Earn (Accrual) | Burn (Redemption) |
|---|---|---|
| Transaction Processing | ✓ Real-time point calculation | ✓ Instant redemption |
| Rule Engine | ✓ MCC, amount, merchant rules | ✓ Min balance, category locks |
| Statements | ✓ Accrual history & exports | ✓ Burn logs & receipts |
| Campaigns | ✓ Bonus multipliers & caps | ✓ Flash redemption events |
| Notifications | ✓ Webhooks & email alerts | ✓ Confirmation & receipts |
| Analytics | ✓ Earn trends & forecasting | ✓ Burn rate & liability tracking |
| Compliance | ✓ Full audit trail | ✓ Reversal & dispute handling |
From integration to live rewards in four steps.
Integrate via REST API or SDK. Authenticate with your tenant credentials and configure webhooks for real-time events.
Define reward rules — set point multipliers by MCC, transaction type, merchant, or custom attributes. Exclude categories as needed.
Send transactions through the API. The engine evaluates rules, calculates points, and updates balances in real-time.
Customers earn and burn points. You get statements, analytics, and full visibility into your rewards program performance.
Plug into any payment processor, banking core, or fintech platform.
Visa, Mastercard, RuPay
CBS, ISO 8583, SFTP
UPI collect & pay
JSON, webhooks, SDKs
Grafana, Loki, Prometheus
Containerized deployment
Stop building loyalty from scratch. Start rewarding.
Launch Spense Rewards →