The open card-linked offers marketplace

Card-linked offers, connecting merchants and banks

Merchants fund spend-based rewards. Financial institutions deliver them to millions of cardholders. Purchases match automatically — merchants pay only on redemption.

I'm a MerchantI'm a Financial Institution

10-15%

Saldo take rate

Tokenized

Cardholder data

Real-time

Match latency

EN + ES

Bilingual UX

How it works

Three parties, one network

No direct merchant-bank integration needed. Saldo is the only wire between everyone.

Step 01

Merchants create offers

Set a spend threshold and reward amount — 'Spend $200, get $15 back.' Offers are funded by the merchant and reviewed by the institution.

Step 02

Banks deliver to cardholders

Institutions browse the catalog, approve offers, and surface them in their app via Saldo's embeddable widget or API.

Step 03

Purchases match automatically

When a cardholder transacts at the merchant, Saldo's matching engine confirms eligibility and triggers the cashback in seconds.

Why Saldo.tech

Built for the way CLO actually works

Pay only on redemption

Merchants are charged only when a cardholder actually redeems. No upfront costs, no impression fees, no campaign minimums.

No PII exposure

Saldo operates on tokenized identifiers only. Names, emails, addresses, card numbers — none of it ever touches our platform.

Open network

Any merchant can list offers. Any bank, credit union, or fintech can deliver them. Saldo is the sole intermediary — never a middleman.

Real-time matching

Transaction matching happens in seconds via webhook. Cardholders see the reward appear immediately after a qualifying purchase.

US + Latin America

Fully bilingual platform built for the US and LATAM markets from day one. Every screen renders cleanly in English and Spanish.

White-label ready

Institutions embed Saldo's widget with their own branding. Cardholders see only the bank — no Saldo logo, no Saldo references.

FAQ

Frequently asked questions

What is Saldo.tech?

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Saldo.tech is a two-sided B2B marketplace where merchants list card-linked offers (CLOs) and financial institutions deliver those offers to their cardholders. Think Chase Offers or Amex Offers, but as an open network any bank or merchant can join.

How do card-linked offers work?

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A merchant creates an offer like 'Spend $200 at our store, get $15 back.' Financial institutions show this offer to eligible cardholders in their banking app. When a cardholder adds the offer and makes a qualifying purchase, Saldo.tech automatically matches the transaction and triggers the cashback reward. The merchant is charged only on successful redemption.

How does Saldo.tech make money?

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Saldo.tech takes a 10-15% transaction fee on each successful redemption. Merchants pay the gross reward amount, Saldo retains its fee, and the financial institution receives the net payout to credit to the cardholder. There are also optional monthly network access fees for institutions and promoted placement fees for merchants.

What data does Saldo.tech store about cardholders?

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Saldo.tech stores only anonymized, tokenized identifiers generated by the financial institution — never names, emails, addresses, card numbers, or any personally identifiable information. The mapping between tokens and real customer identity stays within the financial institution's own systems.

Which countries does Saldo.tech support?

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Saldo.tech operates in the United States and Latin America. The platform is fully bilingual (English and Spanish) across all interfaces.

How do financial institutions integrate with Saldo.tech?

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Financial institutions integrate through a webhook-based API. They post transaction events to Saldo.tech's API, embed our offer widget in their banking app, and receive real-time notifications when cardholders redeem offers. The integration uses tokenized identifiers only — no PII crosses the boundary.

Ready to grow your offer network?

Join the marketplace connecting merchants and financial institutions through card-linked offers.

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