Cashback offers (automatic)
A Cashback Offer needs no action from the Consumer. Once they are enrolled in Perks, every eligible transaction the bank shares with Paylead is matched against the Consumer’s active Offers, and a match creates a Cashback Reward automatically.1
The Consumer is enrolled in Perks
Onboarding and consent put the Consumer into the Perks service. From that point their transactions are eligible for matching.
2
The bank shares the transaction
The bank pushes the transaction to Paylead through the Share transactions flow. This is a platform-level task, independent of any single Offer.
3
Paylead matches it against active Offers
Paylead checks the transaction against the Consumer’s active Offers (Brand, amount, channel, validity, targeting).
4
A Reward is created
On a match, Paylead creates a Reward. Over 95% of Rewards reach the
VALIDATION status within 10 seconds of the transaction being shared.There is nothing to render for the act of earning itself: the Consumer does not tap or confirm anything. Your job is to surface the resulting Reward. See Reward lifecycle for the status tracks and the list and detail endpoints.
Voucher offers (bought up front)
A Voucher Offer lets the Consumer buy a prepaid value redeemable at a participating Brand. Unlike a Cashback Offer, the Consumer actively places an order and pays for it, entirely through the Paylead API. Surface Voucher Offers like any other Offer: they are theVOUCHER entries in the catalog, and their perks.voucher block carries the amounts on sale and the discount rate. The purchase itself, from the order to the issued codes, is covered in Buy a Voucher.
What’s next
Buy a Voucher
The full Voucher purchase flow: order, payment, delivery, and refunds.
Reward lifecycle
Track and display the Rewards a Cashback Offer generates.
Pool & payout
How a validated Reward reaches the Consumer’s pool and gets paid out.
Webhooks reference
React to Reward, Offer and payout events in real time.