The network connecting brands, banks, and consumers.
AmicaPay was founded to fix a problem the whole industry had accepted as normal: loyalty programmes that cost too much and deliver too little.
Six reasons brands and banks choose AmicaPay.
Not just another loyalty programme. A purpose-built network where every part of the chain wins.
Performance-based. Always.
You only pay when a real, verified purchase happens. Zero cost for impressions, reach, or engagement that doesn't convert. No revenue generated means no fee charged - ever.
Fully digital. Zero friction.
No system integration. No staff training. No new software. AmicaPay plugs into existing infrastructure and runs entirely in the background.
Acquire and retain
One programme that works both directions: brings in new customers who match your profile and gives existing ones a recurring reason not to leave.
Real cardholder experience
Actual cash, in their account, every month. Not points. Not vouchers. Not something that expires in 30 days. That's why cardholders actually use it.
Business intelligence
Transaction data gives partners insight into purchase frequency, spend patterns, and what drives repeat visits. Real data, not guesses.
A direct marketing channel.
AmicaPay communicates your brand to the full cardholder network on your behalf - before they shop, during the cashback cycle, and after they earn. Your brand stays visible without any effort on your side.
What we stand for.
Correctness
We act honestly and transparently in everything we do.
Flexibility
We adapt to the needs of the market and our customers.
Professionalism
High standards and professionalism are our calling card.
Sustainability
We are focused on sustainable development and building long-lasting relationships.
Innovation
We strive to be different and stand out with innovation.
Efficiency
We optimise processes and results for maximum efficiency.
Brands that trust AmicaPay.
From retail to pharmacy, our partner network spans the categories your cardholders shop every day.
60+ years of combined experience.
AmicaPay was built by people who spent their careers inside the industry they're now transforming. They know how it works. They know what's broken.
Roberto Santorelli
Serial entrepreneur passionate about fintech innovation and consumer finance. Founder of AmicaPay, building the next generation of cashback: automatic, universal, and fair.
Bozhana Christova
20+ years in payments, process efficiency, project management, and customer experience.
Yulia Simonska-Misova
14+ years in sales and team management. Drives business partnership growth.
Atina Dimitrova-Yaneva
Marketing specialist focused on digital marketing, content, and brand development. At AmicaPay, she leads the company's social media communication and helps build a recognizable and consistent brand identity.
Find your place in AmicaPay.
Only pay when it works.
No setup cost. No wasted budget. Connect your brand to thousands of cardholders and fund cashback only when a real purchase is verified.
Become a brand partnerAdd loyalty. Add nothing to your stack.
A turnkey cashback programme your cardholders will actually use. No tech investment. No development sprints. Live in weeks.
Talk to our teamReal money back, automatically.
No app to download. No loyalty card to carry. Pay with the bank card you already have and earn real cashback every month.
See how it worksFor banks
Want to explore the model in detail?
Get in touch to arrange a meeting where we'll walk you through the architecture of the Amica Processing Hub, the existing legal framework, and specific integration scenarios for your cards and digital channels.
Partner with us