The Fintech
customer rewards platform you don't have to build.
Gift cards, cashback, affiliate offers, and open banking AIS, all fully managed and live in an hour.
4,000+ UK brands
Anonymised data architecture
Zero developer time needed.
Full white-label or API integration
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4,000+ UK brands
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Anonymised data architecture
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Zero developer time needed.
-
Full white-label or API integration
Results observed collectively across all clients. Individual results will vary.
4,000+
UK brands
your customers love.
Surface relevant gift-card and affiliate rewards inside your app across supermarkets, travel, fashion and entertainment.
Built specifically for fintechs.
We've built for fintech teams that want a rewards layer that is a real engagement driver, with a managed approach that removes developer bottlenecks and reduces time to customer adoption. Community-focused institutions can also explore our approach to rewards for community banks and credit unions.
Yes
Neobanks
UK consumer banking challengers with active retail customer bases looking to extend engagement beyond core banking features.
Yes
Savings apps
Consumer savings, micro investing, and wealth platforms wanting to reward usage and build habitual interaction.
Yes
Money management platforms
Personal finance, budgeting, and money-tracking apps where rewards complement the core value proposition.
Yes
BaaS-backed challengers
Consumer fintechs built on banking-as-a-service infrastructure who want to add a rewards layer to differentiate.
No
BNPL, Currency & FX providers
We're explicit about who we're not the right partner for today and we'd rather say so up front than have you discover it three calls in.
Three reasons most fintechs don't have a rewards layer yet.
You know you need one. The board's asking about engagement. Your competitors are shipping similar features. Here's why it stays on the roadmap.
Engineering capacity is already committed to payments, compliance and the core product. Building and maintaining merchant integrations, fraud controls and fulfilment competes directly with that roadmap.
Enterprise loyalty platforms charge five-figure monthly contracts on annual commitments, built for Tesco Clubcard scale, not for a Series B fintech. Self-serve APIs hand you the integration but leave you running merchant relationships, fraud, and operations yourself.
DAU/MAU plateaus after the initial growth surge. Activation drops 30 days post-signup. Transaction frequency flattens. The board asks why retention curves aren't moving and you've already used the obvious acquisition-side levers.
Rewards that improve
commercial outcomes
We deliver the full end-to-end rewards platform in one hour. The integrations, the merchant relationships, day-to-day operations, all handled. You watch the metrics that matter shift.
Activation that actually sticks
Rewards give customers a reason to come back beyond first-load. Repeat-visit frequency lifts, 30-day activation curves move, DAU/MAU shifts in the right direction.
A new revenue line from your existing book
Merchant commission share creates revenue from customers you've already acquired. The rewards programme that retains your users also generates income while doing it.
Retention that costs less than acquisition
A rewards layer rewards loyalty at a fraction of paid acquisition cost. Same customer base, more transactions, lower churn, without burning more performance marketing budget.
Anonymised data architecture
We use anonymised data architecture, documented data flows for your regulatory review. Merchant relationships, fraud rules, fulfilment, operational support, all handled.
Built around
how your team works.
Some fintechs want the whole rewards experience turnkey, branded as theirs. Others want to keep their UX and integrate Spendstream behind the scenes. We support both, same merchant network & same managed operations.
White-label platform
The complete rewards experience, branded as yours, live in an hour.
What you get:
- A fully branded customer-facing rewards experience
- UI, copy, and visual identity matching your brand
- End-to-end customer journey delivered by Spendstream
- Live in approximately one hour
You handle:
- Brand approval on visual configuration
- Linking to the white-label experience from your app or website
- Promoting the programme to your customers
Best for:
Fintechs without spare development capacity, teams wanting fastest time-to-value, and any fintech where the rewards layer isn't a core product differentiator.
Learn more about white-label
API integration
Spendstream's rewards engine inside your own fintech UX.
What you get:
- Full access to Spendstream's rewards API
- Complete control of the customer-facing experience
- Same merchant network and operational backend
- Integration timing depends on your build, typically days to weeks
You handle:
- UI and UX of the rewards experience in your product
- API integration work (we provide full documentation and support)
- Customer-facing copy, journey design, presentation
Best for:
Fintechs where the rewards experience is part of a wider customer journey you want to control, and teams with development capacity who want flexibility on UX presentation.
Learn more about API integration
From integration to live rewards in days, not quarters.
Our four-step rollout is designed for fintech operational reality. No developer sprints, no drawn-out procurement, no surprise scope.
White-label integration in approximately one hour, or API integration on your own timeline. Both supported, no developer sprint required for white-label.
Your branding, reward rates, merchant mix. Anonymised data architecture with documented data flows, designed for consumer-data-sensitive fintech environments.
Go live with 4,000+ UK brands available from day one. Your customers start earning rewards on their everyday spend.
We handle operations, fraud, merchant relationships, ongoing optimisation. You watch the engagement metrics, activation curves, transaction frequency, retention all shift in the right direction.
Use transaction insight to make the account more valuable.
Where the appropriate regulated provider and customer consent are in place, AIS data can identify real spending categories through an anonymised data architecture without moving money.
Fintech teams can use those signals to present relevant merchant-funded rewards, strengthen primary-account behaviour and create more reasons for customers to transact.
Personalised rewards, not generic cashback.
Targeted offer serving
Customers see offers from brands they actually shop at, not generic 'cashback at 100 retailers'. Higher relevance, higher engagement, higher commission yield.
Customer insight
Transaction patterns reveal what your customers care about beyond their interaction with your product. Useful for personalisation across your entire customer experience.
Anonymised by design
AIS data is processed in an anonymised architecture. Customer behaviour informs offer serving without exposing PII to your compliance review.
Programmes already in flight.
Two live deployments demonstrating Spendstream's fit across regulated and fintech-adjacent environments.
Aslan
Fintech / Employee benefits
Spendstream powers the retail-rewards layer within Aslan’s employee financial-wellbeing platform.
Fintech
Sector relevance
Multi-use
Benefits + rewards
Live
Operating today
Raffle House
Competitions / Prize Draws
Live with Spendstream since July 2025, Raffle House has a complete rewards programme integrated into its customer experience.
+40%
Gift card AOV uplift
£56.12
Avg. basket spend
~12%
Customers engaged
How Spendstream compares
See how Spendstream compares with embedding and operating rewards directly inside a fintech product.
programme
aggregation
Transparent monthly fees - starting at £800
Hours (1 hour integration)
Fully managed, founder led
Tillo (best in market)
9 networks integrated
White-label or API (gift cards and affiliates)
No monthly fee - huge dev cost
Weeks-months (gaining brand approvals)
Self-serve
N/A
Individual network integrations
API only (DIY)
Varying monthly fees
Days (gaining brand approvals)
Partially managed
Available
N/A
White-label or API (gift cards only)
Non-transparent pricing
Months (custom building and integrating)
Fully managed
Available
Only the largest networks integrated
White-label or API
Three reasons fintechs
choose us.
Built for fintech operational reality
Anonymised data architecture. Documented data flows ready for your compliance team's review. Designed from day one for the operational and regulatory environment fintechs actually live in, not retrofitted from a general rewards platform.
Merchant operations outside your product backlog
Most rewards platforms hand you an API and wish you luck. Spendstream is built around managed delivery, merchant relationships, fraud rules, integrations, fulfilment, day-to-day optimisation. Your developers stay focused on payments, compliance, core product.
A Tillo Trusted Partner
Tillo is the category-leading gift card infrastructure provider in the UK fintech space. We work in deep partnership: Tillo runs the world-class gift card layer; Spendstream runs the managed programme on top. Two specialists with complementary roles.
I’ve spent 20 years building rewards businesses. I started Spendstream because every fintech company I talked to was running into the same gap — rewards infrastructure built for enterprise budgets, not for the mid-market businesses who need it most. We’re closing that gap.
Map rewards to your fintech roadmap.
Bradley will show how the white-label and API routes fit your product, data architecture and available engineering capacity.