eWallets & Promotions — EWALLET & CASHBACK REWARDS PLATFORM
Branded eWallet and Cashback Rewards —
Pay. Earn. Redeem.
One branded wallet that carries real money, real rewards and real entitlements — spendable online or in store and funded by you or by your partners. No loyalty points. No blanket discounts. Just real value.
Overview
One branded eWallet for payments, cashback rewards and real-time promotions.
CRM.COM’s branded eWallet and cashback rewards platform brings payments, real-time promotions and merchant-funded rewards into a single white-label wallet. Built for branded digital experiences, the wallet connects customer identity, transactions and events to enable secure payments, flexible value storage and personalised promotions across online and in-store channels.
- Multi-pocket wallet — Pay, Business and Commerce pockets
- Secure payments via CRM.COM gateway or your own
- Real-time event-driven rewards — cashback, discounts, donations
- Gift passes and top-up passes for branded gifting
- Full multi-currency and multi-country financial layer
- Pay Pocket charged
- −€64.00
- Promotion matched
- 10% cashback
- Commerce Pocket credited
- +€6.40
- Rewards
- Passes
- Financials
value funded by partners
Generous offers, without the generous bill
Every operator faces the same tension. The offer big enough to change behaviour is usually the offer you can’t afford to run across the whole base. So most programmes settle for points that expire, or blanket discounts that train customers to wait.
Commerce Pools resolve it. A Commerce Pool holds value that only releases when your conditions are met — a specific product, a time window, a location, a spend threshold, a category. The customer sees a reward worth changing their routine for. You only ever pay for the behaviour you actually asked for.
That’s the difference between a loyalty cost line and a loyalty investment. And because Commerce Pools can be published to and funded by partner businesses, the value doesn’t always have to come from your margin at all.
100% MERCHANT-FUNDED REWARD [illustrative example]
Supplier · SoundWave €5.00 Funds 100% of this offer
Commerce Pool €5.00 cashback Released on: wireless earbuds purchase
Redeemed by David Smith · GADGETZ store
Retailer cost €0.00
Settlement Automatic · SoundWave
WHY CASHBACK BEATS LOYALTY POINTS
Real money in a wallet. Not a points balance.
Most loyalty programs give customers points — a currency they don’t control, that loses value over time, and that often goes unredeemed. CRM.COM works smarter. Every qualifying transaction earns cashback directly into the customer’s branded eWallet — real monetary value, spendable immediately, online and in-store.
Traditional loyalty points The old model | CRM.COM cashback rewards Real value, instantly |
|---|---|
| Abstract currency — customers rarely know what a point is worth | Real monetary value — €1 cashback is always €1 to spend |
| Low redemption — most points go unspent and unredeemed | High redemption — customers spend what they can see and understand |
| Funded solely by the brand — limits program scale | Merchant-funded across partner networks — Commerce Pools share the cost |
| Locked to one brand — limits where customers can spend | Spendable across the full Commerce Pool ecosystem — online and in-store |
| Complex rules engine — manual management and redemption thresholds | Automatic crediting to eWallet — no manual steps, no thresholds |
| Perceived value erodes over time — customers lose trust in the program | Tangible value drives repeat spend — customers return because the wallet balance is real |
eWallets & Promotions Services
Four services. One wallet ecosystem.
The CRM.COM eWallets & Promotions services form the finance and rewards layer — combining secure payments, value storage and real-time rewards to power seamless pay, earn and redeem experiences.
S6
CRM.COM eWallet Power every transaction with a white-label branded eWallet.
A powerful white-labelled, multi-pocket eWallet that drives customer engagement, retention and FinTech innovation. CRM.COM enables branded wallets for both online and in-store use with strong customer authentication (SCA) — powered by the CRM.COM global payment gateway or a global/local one of your choice.
€284.60
A secure balance that customers top up themselves using the CRM.COM embedded payment gateway. Balance to be used within the CRM.COM ecosystem.
Only available in the EU · Supports € payments for EU-issued cards
€42.00
Store brand-issued value such as refunds, store credit or rewards — usable within your brand or select partners, reinforcing loyalty and driving repeat engagement.
€18.40
Store commerce balance with conditions — products, channels or time — to influence purchase behaviour. A modern alternative to loyalty points.
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Rewards & Promotions Cashback rewards and real-time promotions that grow customer loyalty.
Deliver real-time, personalised rewards and promotions that drive repeat customer engagement and measurable revenue growth. CRM.COM processes every customer event and automatically applies cashback awards, instant discounts, donations or employee benefits — with no manual steps required.
- Customer milestones — sign-ups, referrals, birthdays, data completion
- Time-based promotions — happy hour, seasonal, specific days or times
- Purchase behaviour, down to the SKU — reward a specific product, brand, category or basket combination, not just an outlet or a spend threshold
- Commerce Pools — conditional eVouchers with product, channel and time rules
- Active promotions
- 340 running
- Award processing
- Real-time
AI Hyper-personalisation
A unique offer, built for every customer.
Define your audience and the campaign rules. AI analyses each customer's purchase behaviour, engagement patterns and timing to automatically generate the most relevant offer — per person, at scale. No manual segmentation. No guessing.
- AI selects the best products, discount levels or cashback amount per contact
- One campaign, thousands of individual personalised offers
- Adapts to behaviour over time as customers engage and purchase
AI Offer Engine — Active Campaign [illustrative example]
David Smith
Electronics — repeat buyer 12% cashback
Anna Moore
Wellness — lapsed 30 days Free delivery + €5
Kyle Park
Food & Beverage — high frequency Happy hour 20%
Loyalty Tiers — David Smith [illustrative example]
Platinum
€2,000+
Gold ←
€680 / €1k
Silver
€500
Gold tier contacts this month
Reward Tiers
Recognise your best customers automatically.
Group customers into Silver, Gold, Platinum — or any tiers you define — based on their purchase value over time. Tier movement is fully automatic: customers advance when they hit thresholds and drop if engagement falls off.
- Define tiers by period spend or cumulative lifetime value
- Optional instant advancement the moment a threshold is met
- Tie specific reward offers and promotions to individual tiers
Reward Schemes
Open to all, or exclusive by design.
Organise rewards into themed programmes — student plans, employee benefits, partner networks — with full control over who can join. Choose open access or restrict by email domain, invite code, or imported unique codes.
- Auto sign-up or self sign-up for open programmes
- Closed-loop access restricted by email domain or unique code
- Multiple active schemes running simultaneously per business
Scheme Access Models
Open loop
Auto sign-up
Self sign-up
No restrictions
Closed loop
Email domain
Unique code
Invite only
Employee benefits scheme @crm.com only
Student rewards programme Code: STU2026
Donation Types
One-off
Single donation, fixed or contact-set amount
Recurring
Monthly or annual, auto-processed
On purchase
Donate on every transaction
On product
Donate when specific items are bought
Charitable Donations
Give customers a reason to care — and come back.
Let customers donate their cashback to a cause they believe in. Configure one-off, recurring, purchase-triggered or product-linked donations — all processed automatically, with no manual handling required.
- Fixed amount or customer-chosen value per donation type
- Fully managed through the customer's front-end app
- Performance tracked in dashboards and reports
eCommerce Integrations
Rewards that work where your customers already shop.
Native plugins for Shopify and WooCommerce sync orders automatically with CRM.COM — rewards process in real time without custom development. Any qualifying purchase, online or in-store, feeds straight into the rewards engine.
- Shopify and WooCommerce plugins — install and go
- Orders sync automatically, reward balances update in real time
- Same wallet, tiers and promotions across all channels
Connected Integrations
Shopify
Orders sync · Real-time rewards
WooCommerce
WordPress storefront · Auto-submit
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Passes Engage customers with electronic gifting and top-up experiences.
Offer branded gift passes (electronic or physical) and top-up passes that customers can easily purchase, send as a gift or redeem via the wallet — enabling frictionless sharing and gifting. Expand your brand’s reach, boost digital adoption and introduce wallet-funded commerce across online and in-store touchpoints.
- Electronic and physical gift passes — fixed or open value
- Top-up passes — customers purchase and gift to others
- Wallet redemption — passes convert to spendable wallet balance
- QR code redemption in-store or via the app
- Redemption method
- QR · App · POS
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Financials Simplify complex finances with multi-account and multi-currency control.
CRM.COM provides an advanced financial layer that powers all customer invoicing, payments and ageing — across B2C and B2B models. Businesses can configure credit limits, account models and country-specific setups, seamlessly connected to ordering and subscription processes.
- Full customer invoicing, payments and ageing — B2C and B2B
- Configurable credit limits and account models per customer
- Multi-currency and multi-country financial accuracy
- Accepts orders in local currency and tax — country-specific
- Premium plan, monthly
- €49.00
- VAT (19%)
- €9.31
- Total
- €58.31
- Paid from Pay Pocket
- ✓ Settled
- Credit limit management
- B2C · B2B
- Tax framework
- Multi-country
CRM.COM Applications
Four applications. One unified platform.
eWallets & Promotions is the rewards and payments layer. It builds on Identity Management and powers Subscriptions & Commerce.
Application 01
Identity Management
Customer registration, authentication, segmentation and omnichannel CRM.
Current
eWallets & Promotions
Digital wallets, cashback rewards and personalised promotion management.
Application 03
Subscriptions & Commerce
Recurring billing, usage-based charging and commerce management.
Application 04
Business Communities
B2B partner ecosystems, marketplace commerce and automated settlement.
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