For merchants

Reach cardholders with merchant-funded offers

Create spend-based rewards that financial institutions deliver directly to their cardholders. No upfront costs — pay only when a customer redeems.

Create your first offer

How it works

Four steps from draft to redemption

Step 01

Create an offer

Set your spend threshold, reward amount, and campaign duration. Templates seed the form with proven defaults.

Step 02

Send for approval

Institutions review and approve your offer for their cardholder programs. Approved offers go live automatically.

Step 03

Cardholders add

Cardholders see your offer in their banking app and add it to their card with one tap. No coupon codes.

Step 04

Match and redeem

Saldo matches qualifying purchases in seconds. You're charged only on a successful redemption.

Pricing

Pay only when customers redeem

No monthly fees. No setup costs. Saldo retains 10–15% of each merchant-funded redemption.

Transaction take rate

Saldo retains 10–15% of each redemption. Exact rate depends on your tier and offer configuration.

Example

Offer: spend $200, get $15 back

  • Merchant funded$15.00
  • Saldo fee (12%)$1.80
  • Cardholder credit$13.20

Promoted placements

Boost visibility by featuring offers at the top of the cardholder feed. Flat weekly or monthly fee — no additional per-redemption charges.

Featured — bumped above standard offers in the institution's feed.

Top Pick — first placement plus a highlighted card style.

Why Saldo

Built for the merchant side of CLO

No upfront costs

Zero setup fees, zero monthly fees. You fund offers only when they are redeemed by real customers making real purchases.

Massive cardholder reach

Your offers are distributed across every institution on the Saldo network — banks, credit unions, and fintechs alike.

Hands-off campaigns

Create offers, set budgets, and track performance from a single dashboard. Offers pause automatically when funds drop low.

Real-time funnel

Track impressions, adds, and redemptions in real time. See which institutions and offer types convert the best.

Pay-on-redemption wallet

A clear ledger of every debit, with runway forecasts so you know exactly when to top up — never mid-campaign.

No integration required

Merchants interact only with Saldo. No direct bank integration needed — create an account, build an offer, go live.

FAQ

Merchant FAQ

How much does it cost for merchants to use Saldo.tech?

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There are no upfront fees. Merchants are charged only on successful redemptions. Saldo.tech takes a 10-15% transaction fee from the merchant-funded reward amount. For example, if you offer $15 cashback, you pay the full $15 and Saldo retains its fee before passing the net amount to the financial institution.

What types of offers can merchants create?

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Merchants create spend-based offers with a minimum purchase threshold and a reward amount. For example: 'Spend $200, get $15 back' or 'Spend $50, get $5 back.' Offers can target specific card programs, geographies, or run for limited time periods.

How do cardholders discover my offers?

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Financial institutions display your offers to their cardholders through their banking app, mobile app, or online banking portal. Saldo.tech provides an embeddable widget that institutions customize with their own branding. Your offers reach cardholders across all participating banks and credit unions.

How does transaction matching work for merchants?

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When a cardholder who has added your offer makes a qualifying purchase at your store, the financial institution sends the transaction data to Saldo.tech via API. Our matching engine automatically confirms the purchase meets the offer requirements (correct merchant, spend threshold met, offer still active) and triggers the reward. No manual reconciliation needed.

Start reaching cardholders today

Create your merchant account, build your first offer, and drive incremental sales through card-linked rewards.

Create merchant account