Offer Platform
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CARD-LINKING ENGINE

Automatic Offer Linking, Tracking & Redemption

Cartera's card-linking engine links offers to cards, tracks purchases, and automatically provides rewards to consumers - right back on cards, with maximum privacy protection.

Not Just Any Offer - A Card-Linked Offer

What separates a card-linked offer from other offers? Three things: it's personal, paper-free, and redeemed automatically. Cartera's card-linking engine - built into our platform - automatically links offers to your cards (to enable targeting), tracks all purchases, and automatically redeems offers right back on cards after purchase. With the Cartera platform under the hood of your card-linked marketing program, you can deliver more value to your card holders by offering relevant, paper-free, automatic offers - without changing your back-end systems or asking merchants to change theirs.

Card & Account Registration
Cartera's card-linking engine starts by registering your member cards or accounts. For card issuers or banks, entire credit or debit card portfolios can be auto-enrolled, allowing members to earn in those programs just by using their cards for online and in-store purchases. For loyalty cards and accounts, members can earn with online shopping offers automatically, and enroll registered credit cards to enjoy in-store offers. All card member data is completely anonymous, never shared with merchants or other third parties, and secured with strong encryption in our data centers.

Automatic Offer Loading
Once a user has opted-in to your program, Cartera's card-linking engine automatically and transparently loads targeted offers onto their cards. In an instant, all offers you've specified from our Offer Cloud will be available to your customers' fingertips, with Cartera's targeting engine delivering the most relevant offers for each card holder. On request for certain programs or offers, we can support offer opt-in, requiring members to click on offers to become eligible for earning.




End-to-End Transaction Tracking
With end-to-end tracking & matching built right in, Cartera's platform makes it easy to close the earnings loop for you and your customers. We automatically track all purchases made by your members with participating merchants in any channel. Each transaction is scored according to the terms of merchant offers (for example, a $50 purchase might yield 250 miles). Then, we anonymously match qualified purchases back to one of your member accounts. It's all automatic, effortless and secure.

Multiple Currency Redemption
The faster a customer earns cash or rewards, the more likely they are to shop again and use your card more often. Cartera's card-linking engine automatically redeems offers by plugging directly into your systems and awarding earnings as cash, points or miles. We can even offer direct rewarding capabilities, such as cashback as a statement credit, and can link points-based rewards burning options to a wide variety of merchandise and travel rewards redemption.



Points Bank
If your card-linked marketing program's rewards are point-based, Cartera's platform stands apart from others by supporting a complete Points Bank. We can manage and host full member registration and handle all aspects of point management. Members can access earnings statements, point totals and manage their redemption all within our fully-managed system. Our flexible architecture allows for easy integration into existing points banks and loyalty platforms - making Cartera the clear choices for your rewards program.

Transaction Reporting & Analytics
Since you earn revenue from each offer linked to and awarded on your cards, it's important to monitor how many deals your cardholders are accepting. Cartera's secure, interactive reporting portal is available 24 hours a day, seven days a week to our platform clients to monitor program performance. A broad set of reporting and analytics services are leveraged by the Client Services team to work with each of our clients to develop insights and determine opportunities for program improvement and optimization.





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