An offer network for cardholders that stay

Integration involves three components: (1) Embed the Saldo.tech offer widget in your banking app or online portal — it's white-label and fully customizable. (2) Post transaction events to our webhook API (POST /api/v1/transactions) for real-time matching. (3) Receive callbacks when offers are redeemed so you can credit cardholder accounts. The entire integration uses tokenized identifiers — no PII crosses the boundary.

Saldo.tech requires only two tokenized identifiers that your institution generates: a cardholder_token (opaque identifier for the customer) and a card_token (tokenized PAN). We never receive or store names, emails, addresses, card numbers, or any personally identifiable information. The mapping between tokens and real identity stays in your systems.

Institutions earn a payout on every successful offer redemption. When a merchant funds a $15 reward, Saldo.tech retains its platform fee (10-15%), and the institution receives the remaining amount (e.g., $13.20 on a 12% fee). This payout covers the cashback you credit to the cardholder. Institutions may also pay a monthly network access fee depending on their tier.

Saldo.tech offers three tiers: Starter ($500-$2,000/month) for smaller institutions getting started, Growth ($2,000-$8,000/month) for mid-size programs with advanced features, and Enterprise (custom pricing) for large institutions with negotiated terms. All tiers include access to the full offer catalog and real-time matching.

Yes. The Saldo.tech widget is fully white-label — you control colors, branding, and placement. Cardholders see offers branded with your institution's identity, not Saldo's. You can also use the headless API to build a completely custom experience.