Priority order
Spend points first, then the wallet balance, then fall through to the instalment line — or any other order your product and economics call for.
On the roadmap — not yet available
Spendable beyond your own checkout
An instalment line works where you have a merchant deal. Points work where you have a redemption partner. Both are acceptance problems.
Roadmap. Accept² funds card payments from wallet balances today. BNPL, account-to-card, loyalty points and gift cards are planned funding sources, described here so you can plan against them.
BNPL & credit lines
Escape the merchant-by-merchant grind
Instalment growth is gated by merchant integrations. Every retailer is a deal, a build and a launch.
Accept² will turn the approved line into a funding source behind a card. Spendable anywhere; you keep underwriting, terms and limits.
- Approved line spendable at 150M+ acceptance points from day one
- Your underwriting and credit decision, unchanged
- Instalment terms, limits and eligibility set by your policy
- Merchant-category restrictions enforced at authorisation
- No merchant integration, no merchant deal, no merchant fee negotiation
Loyalty & rewards
Points that behave like money
Points nobody can spend are a liability on your books and a disappointment in your customer's app.
Points will fund a card payment at purchase, at a rate you control, in the categories you choose.
- Points redeemable at any merchant, not only catalogue partners
- Conversion rate and eligible categories under your control
- Redemption at the point of sale, not a separate errand in an app
- Breakage and liability modelled against real redemption behaviour
- Split funding — part points, part balance, part card — by policy
Why it works the same way for both
A line and a point balance are the same shape
To the engine, a BNPL line and a loyalty ledger are both funding sources with an amount and a rule.
Split funding
One transaction can draw on several sources at once, with the split decided at authorisation and recorded against the transaction.
Category rules
Points at the supermarket but not the casino; the instalment line above a threshold but not below it. Rules are policy, not code changes.
Your customers were approved. Let them spend.
Whether it is an instalment line or a points balance, the acceptance problem is the same one — and it has the same fix.