Merchant rewards
From an eligible purchase to confirmed cashback.
Finanzer’s proposed rewards model links merchant-funded programmes to purchases, settlement and refunds. The reward record shows what is pending, what is confirmed and what has changed.
Funding
Know who funds the cashback.
Under the proposed model, participating merchants contribute to a rewards programme. Its terms determine which purchases qualify and when a reward is confirmed.
Reward journey
Follow the purchase and its reward separately.
Each state should be understandable.
Eligible activity
A purchase meets the programme conditions.
Pending reward
The activity still needs settlement or another programme condition.
Confirmed reward
The qualifying activity is confirmed under the programme terms.
Refund or dispute
The programme defines whether the reward changes or is reversed.
Scope and limits
Rewards can use the platform without becoming loans.
A merchant programme may reuse identity, event and ledger services. It does not require every reward user to take credit or opt into FZR risk participation.
Understand FZR’s separate roleCashback on eligible spending and any separately agreed FZR participation have different sources and terms. Neither should be presented as the other.
No reward rate, cap or merchant participation is promised on this website. The programme must define its own terms.
The rewards programme is in development. Merchant participation, eligibility, reward rates and availability have not yet been confirmed.
Ask about rewards availability.
Tell us whether you are interested as a customer or a merchant. We can discuss the planned programme and the terms still to be established.