The affiliate engine behind enterprise loyalty programmes.
Capillary provides loyalty and customer-engagement technology for major organisations. From 1 March 2026 to 31 August 2026, it engaged Spendstream to provide specialist affiliate infrastructure and managed operations.
During the engagement, Spendstream supported affiliate capabilities used within Capillary programmes for Santander, Frontier, Optum and TD Bank across the UK, US and Canada.
- Client engagement: to
- Four enterprise programmes supported
- Affiliate infrastructure across the UK, US and Canada
Simple for the customer, complex behind the scenes
To an end user, an affiliate offer looks straightforward. Behind it sits a fragmented ecosystem of networks, retailer approvals, tracking rules, commercial arrangements and reporting. At enterprise scale, that complexity multiplies.
A fragmented ecosystem
Different networks bring different integrations, data formats, approvals, commercial arrangements and reporting requirements.
Multiplied at enterprise scale
Each client may need its own brands, account structure, territories, reporting and customer experience, delivered to enterprise standards.
A complete affiliate enablement layer
Spendstream acted as the specialist infrastructure behind Capillary's customer-facing proposition: a central technology and management layer instead of a collection of integrations Capillary had to build and operate itself.
One connection to the ecosystem
Affiliate opportunities from multiple sources were consolidated into one consistent platform and operating model.
Enterprise client separation
Each programme retained its own structure, participating brands, approvals, tracking and reporting.
Brand sourcing and approvals
Spendstream coordinated retailer applications and approvals to support a relevant brand mix for each programme.
Managed operations
Offer data, network relationships, tracking, commission reconciliation and issue resolution were handled as an ongoing service.
Supporting recognised organisations across three markets
Capillary retained the client relationship and presentation layer. During the engagement, Spendstream supplied the specialist infrastructure and operating capability behind the affiliate component.
Santander
Affiliate connectivity and programme-management capabilities used within Capillary's proposition for Santander.
Frontier · United States
Affiliate infrastructure used to surface relevant retailer offers within Capillary's wider customer proposition for Frontier.
Optum · United States
Affiliate-funded offers supported by centrally managed network and retailer relationships.
TD Bank · Canada
Behind-the-scenes affiliate capability forming part of Capillary's broader loyalty solution for TD Bank.
More than an API provider
Spendstream combined platform infrastructure with affiliate-network management, commercial coordination, brand onboarding and day-to-day programme support.
Specialist expertise
One experienced partner across the technical, commercial and operational parts of affiliate rewards.
Enterprise flexibility
A shared engine that could support distinct clients, countries, brands and reporting requirements.
Operational extension
Ongoing management rather than a technology handover after integration.
A stronger proposition without the operational burden
The engagement gave Capillary a route to introduce affiliate capabilities without taking on the full complexity of building and managing the ecosystem internally.
Faster to launch
A more efficient route to launching affiliate propositions for enterprise clients.
One partner, many networks
Reduced technical, commercial and operational complexity across multiple affiliate sources.
Built for scale
A common infrastructure capable of supporting additional client and territory requirements.
A managed service
Ongoing programme operations throughout the six-month client engagement, not simply an integration handover.
A reusable model for enterprise delivery
The engagement demonstrated how one central affiliate layer can support bespoke enterprise experiences across different clients and markets.
Shared infrastructure
New programmes and market requirements can use a common technical and operational foundation.
Tailored per client
Each enterprise programme can retain a bespoke experience while the specialist engine operates behind it.
Delivered via API or white-label
Capillary used the embedded, API-led route, retaining control of the client and customer experience while Spendstream ran the affiliate layer during the engagement. The same managed infrastructure is also available as a white-label platform.
API integration
Build the rewards engine directly into your own platform with full control of the client and customer experience - the route used by Capillary.
White-label platform
Use the same managed infrastructure through a fully branded customer experience with minimal development work.
Looking to add affiliate rewards to your platform?
Spendstream helps loyalty providers, financial institutions and customer-engagement platforms introduce affiliate offers without managing multiple networks, integrations and retailer relationships directly.
Managed affiliate infrastructureAPI or white-labelUK and international marketsExplore more customer stories.
See how Spendstream's managed infrastructure works across other customer contexts, or view all Spendstream case studies.
Raffle House
Competitions / Prize draws
A rewards programme that turned everyday shopping into prize-draw entries and commission revenue.
+40%
Gift card AOV uplift
£56.12
Average basket
~12%
Customers engaged
Aslan
Employee benefits
A managed rewards layer that brought supermarket and household savings into Aslan's employee experience.
Everyday
Useful value
Embedded
Own experience
Managed
End to end