Introduction

Payback Rewards is a program offered via the Netspend API that allows users to receive cash back from visiting an assortment of retailers.

Overview

The Payback Rewards program provides accountholders opportunities to earn one-time rebates (e.g. "cash back") on purchases made at select participating merchants. A customer is targeted with personalized cash back offers based on their transaction history and spending habits. The feature provides a premium reward benefit similar to those offered on a bank account or credit card.

*Note: The participating merchants are not NetSpend’s partners or vendors. Cardlytics manages the participating merchants and corresponding offer campaigns. NetSpend retrieves the offers that Cardlytics creates with the merchants. The merchants don't work with NetSpend or target NetSpend customers specifically. The merchants establish targeting criteria for which segments of NetSpend's customers qualify. The merchants fund the rewards to customers from these offers.

Sample Flow

The diagram below is a sample flow of how a partner might make use of the Netspend API Payback Rewards endpoints to help their end user consumers enroll in the program and subsequently receive rewards.

Target Location and Channel

Netspend’s current Payback Rewards offering is closely tied to Cardlytics, and some of their concepts around offers are exposed through the API. One thing of significance is the relativity of an offer to the target location and channel the offer is intended to appear in, which affects messaging and images made available in order to maintain consistent presentation of the offers.

Here are a couple of tables describing the possible values for location and channel as they apply to Netspend’s usage via the API.

Channels

Location