Add 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 team2–4
Weeks to launch
€0
Dev cost
+8%
Avg spend uplift
For banks and fintech partners
Our platform operates as a national cashback hub, connecting card issuers and merchant networks in a shared infrastructure for card-linked loyalty.
Through AmicaPay, banks provide their customers with added value - automatic cashback credited directly to their bank account when paying by card in the partner network, with no need for additional registrations, vouchers, or point collecting.
AmicaPay is built on a modern approach that accounts for the regulatory requirements of payment services and open banking, using an intermediary structure through InvestPay AD to govern the relationship between merchants and end consumers.
We combine a technology processing hub with a legal framework that clearly defines the roles and responsibilities of all participants - financial institutions, merchants, and end customers.
Through our partnership with iCard, we are already demonstrating how debit cards can become loyalty instruments - iCard customers receive cashback when paying at selected physical locations in the network, while the bank strengthens the relationship through an additional service with real financial benefit.
Network effects
As the merchant network grows, each new bank partner joins an ecosystem that accumulates network effects - more merchants, more cashback campaigns, and more active card usage versus cash payments.
New generation loyalty
Traditional loyalty programmes - points, coupons, vouchers, and upfront discounts - often encourage additional, sometimes impulsive spending and create a sense of hidden value that customers must track and understand.
The AmicaPay model replaces this with a transparent financial benefit: a share of the amount spent is returned as real money to the card, with no complex schemes and no extra steps required from the customer.
For the bank, this means loyalty built on trust and clearly measurable value - the customer sees the cashback directly in their account and associates it with card usage and your brand, not with abstract points or promotional mechanics.
At the same time, the model supports ESG and more sustainable consumer behaviours: cashback is earned after a real purchase, without encouraging unnecessary spending through aggressive discounts - the focus is on rewarding existing loyalty and responsible budgeting.
With AmicaPay, you can build a new generation of loyalty, where:
Clear added value
every card transaction carries clear added value for the customer;
Simple communication
the programme is easy to communicate - ”you get money back”, not ”you collect points”;
ESG alignment
you drive the shift from cash to digital payments, in line with your strategic goals and ESG commitments.
This approach positions your cards as instruments for responsible consumption and financial awareness, not merely carriers of temporary promotions - loyalty becomes sustainable, measurable, and closer to the real expectations of the modern customer.
Core advantages of AmicaPay's loyalty programme for banks
Increased card payment rate
Your customers are motivated to pay more often with their cards, instead of cash.
Fully digital process
You have access to a fully automated and entirely digital process for delivering high value-added services (cashback).
Increased loyalty
Your customers are motivated to use your products as their primary payment method.
No need to maintain a merchant team
AmicaPay is entirely responsible for maintaining and growing the portfolio of retail and e-commerce merchants.
Competitive advantage
Win new customers by offering a new and market-unique service.
Universal solution
Our loyalty programme requires no system integration or new software solutions. The entire data processing is managed by AmicaPay.
Your card, first in every wallet.
Cardholders carry multiple cards. AmicaPay gives them a recurring financial reason to reach for yours at every purchase - shifting spend from competitors and from cash.
A new and market-unique service. No other bank in Bulgaria currently offers this.
Top of wallet
When your card is the one that pays cashback, it becomes the default. Cardholders stop switching. Spend migrates from every other card in their wallet.
Card over cash
Each cashback reward reinforces digital payment behaviour. Cardholders who would have paid with cash choose the card instead - directly increasing your transaction volume.
Zero portfolio management
AmicaPay builds and maintains the entire brand network on your behalf. You never negotiate a merchant deal, onboard a vendor, or manage a partnership. Ever.
The traditional approach vs AmicaPay
Traditional loyalty programmes take years to build and cost millions to run. Here's how we compare.
For 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.
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