What fintech platforms are up against.
Interchange and subscriptions aren't enough
Payment margins are thin and subscription fatigue is real. Fintechs need revenue lines that grow with engagement rather than pricing pressure.
Building affiliate infrastructure is a distraction
Direct merchant deals, network contracts, tracking, and reconciliation is a multi-quarter engineering project that has nothing to do with your core product.
Generic offer walls underperform
Un-ranked, un-curated coupon feeds convert poorly and cheapen the product experience your team has worked hard to build.
Built for fintech platforms, not retrofitted.
Revenue without new products
No lending book, no card programme, no float. Affiliate commission is earned on purchases your users already make.
One integration, every network
A single REST API replaces separate contracts and integrations with every affiliate network and merchant.
Live in days
Sandbox credentials to production in 2–3 days, with schema-identical environments and a dedicated integration engineer.
A recurring, performance-based revenue stream with zero upfront investment.
How fintech platforms put it to work.
01
Offers at the point of spend
Surface contextual merchant campaigns where users already make spending decisions — before checkout, after a transaction, or in a dedicated rewards surface.
02
White-label rewards experience
Your brand and UX end to end. MBO Rewards supplies the campaign catalog, tracking, and commission engine invisibly behind it.
03
Webhook-driven engagement
Conversion-confirmed webhooks let your product trigger notifications or in-app moments the instant a purchase is confirmed.
One API between your platform and every affiliate network.
One REST API call returns ranked campaigns with tracking identifiers; conversions come back as webhooks — your team never touches an affiliate network directly.
Merchant campaigns
Aggregated from every major network
MBO Rewards API
Normalised, deduplicated, ranked
Your platform
Renders offers in your UX
Server-side tracking
Opaque tokens, zero cookies
Confirmed commission
Webhooks + monthly statements
Zero PII stored
User identity is an opaque token MBO Rewards cannot reverse-map.
Server-side tracking
No cookies, pixels, or client-side scripts in your application.
Encrypted throughout
TLS 1.3 in transit, AES-256 at rest, tenant-isolated data.
Review-ready
An architecture designed to pass enterprise security review.
Revenue Opportunity Simulator
What is affiliate commerce worth to your fintech business?
Four questions, an executive dashboard, and a downloadable business case for your leadership team.
Questions fintech platforms ask us.
How quickly can a fintech go live?
Most integrations complete in 2–3 days. The sandbox environment is schema-identical to production, so what you test is what you ship.
Do we need contracts with affiliate networks?
No. MBO Rewards aggregates campaigns from every major network under a single agreement — one contract, one integration, one commission statement.
How is the revenue share structured?
There are no setup or monthly fees. MBO Rewards takes a share of confirmed affiliate commission, agreed at onboarding. If your users don't buy, neither side earns.
Can we control which merchants and categories appear?
Yes. Campaigns are normalised with standardised category, rate, and terms fields, so your team controls the mix your users see.
Talk to the team that will run your integration.
A 30-minute scoping call covers your platform, compliance requirements, and go-live plan. Most integrations complete in 2–3 days.