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Loyalty Programs

Cashback Loyalty Program | Percent Cashback Wallet Card

Launch a cashback loyalty program that returns a fixed percentage to the customer wallet balance. Built for retail, restaurants, salons, pharmacies, and repeat-purchase brands.

  • cashback loyalty program
  • cashback wallet card
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Wallet-first delivery Multilingual rollout No extra app for customers
Quick answer

Why brands choose percentage cashback

This page is for teams that want a loyalty mechanic customers perceive as direct returned value after each qualifying purchase.

The commercial intent here is value visibility: brands want a cashback loyalty program that customers understand immediately because the reward is expressed as returned balance.

Return a fixed percentage of qualifying purchases to a visible wallet balance.
Use cashback when you want a more concrete reward model than abstract points.
Keep reward progress visible in Apple Wallet and Google Wallet between purchases.
Support repeat-purchase retention in retail, hospitality, services, and health-related businesses.
Deep dive

How a cashback percent program works

From qualifying purchase rules to returned balance and visible wallet progress.

First, the business defines what transactions qualify and what percentage should return to the customer balance. Then the customer receives the wallet card through QR onboarding or another delivery flow and keeps it in Apple Wallet or Google Wallet.

Every qualifying purchase adds new cashback to the visible balance, and the business can keep reward status updated on the card. That makes the cashback program easier to understand and more persuasive than hidden discount logic.

Questions and answers

Frequently asked questions for buyers

Core questions about cashback loyalty programs.

What is a cashback loyalty program?
A cashback loyalty program returns a fixed percentage of qualifying purchases to the customer balance and keeps that value visible on the wallet card.
How is cashback different from points?
Points are usually abstract units, while cashback shows returned value directly as spendable or visible balance, which many customers understand faster.
Is cashback suitable for retail, restaurants, salons, and pharmacies?
Yes. Cashback works well for repeat-purchase businesses where the returned value can motivate the next transaction.
Can customers see cashback progress on the card?
Yes. SmartKartica keeps the cashback balance visible on the wallet card in Apple Wallet and Google Wallet.
Do customers need a separate app to use cashback cards?
No. Customers can save the card directly in Apple Wallet or Google Wallet without installing an extra app.
Next step

Launch your cashback loyalty program faster

Move from hidden discount logic to a visible returned-balance model.

Create a cashback loyalty card, define the returned percentage, and launch Apple Wallet and Google Wallet delivery from one SmartKartica workspace.

Start your cashback setup View product overview