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Use cases: Loyalty & rewards

Rewards people can spend anywhere

Pay points, cashback, rebates and refunds onto a card in your brand, and add discounts at major brands, so every reward feels like money, through one API.

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A reward is only as good as where it can be spent

Loyalty, cashback and savings apps hand out value in points, codes and credits that work in one place, expire, or take weeks to cash out. Members notice: rewards they can't use don't build loyalty, and a bank payout sends the value, and the member, somewhere else.

Moon lets you run your own Visa card program for rewards, in your brand and through one API. Load a member's card when they redeem points, earn cashback, receive a rebate or get a refund, and they spend it wherever Visa is accepted. Add discounts of up to 10% at major brands, and the same reward goes further.

Each card carries your member ID and the reward reference, so every load maps back to the campaign that paid for it. Limits and merchant categories let you shape how rewards are spent, and webhooks report each purchase as it happens.

How the money moves

  1. Card issued to the membermember_6614 · joined
  2. Cashback loads the cardRebate #3307 · $25.00
  3. Member spendsCoffee shop · $6.40
See the API call
curl --request POST \
     --url https://api.themooncard.com/v1/api-gateway/card/8f1c611d-098d-4f61-b106-f7b6d344b1ae \
     --header 'accept: application/json' \
     --header 'content-type: application/json' \
     --header 'x-api-key: YOUR_API_KEY' \
     --data '{
        "external_id": "member_6614",
        "amount": 25.00,
        "metadata": { "reward": "rebate_3307" }
      }'

What your card program can do

  1. 01

    Points members can spend anywhere

    Let members redeem points onto a card in your brand they can use wherever Visa is accepted, instead of a voucher for a single store.

  2. 02

    Cashback on a card

    Pay cashback onto the member's card the moment it's earned, so the reward shows up while the purchase is still fresh.

  3. 03

    Discounts at major brands

    Add discounts of up to 10% at major brands to your program, so members' rewards go further at the stores they already use.

  4. 04

    Rewards for a purpose

    Limit a reward card to the merchant categories a campaign is for, such as fuel, groceries or travel, and cap it by amount per month.

  5. 05

    Incentives for teams and partners

    Pay sales incentives, referral bonuses and partner rewards onto cards, each tagged with the campaign that funded it.

  6. 06

    Perks on a schedule

    Load a monthly perk onto members' cards on a schedule, from the same prepaid balance that funds the rest of your program.

Refund and rebate wallets

Refunds and rebates don't have to wait for the original card. Land them on a card in your brand the moment a return starts or a rebate is approved, and the customer can spend it right away.

  • Instant refunds

    Load the refund onto the customer's card as soon as the return is accepted, while the item is still on its way back.

  • Rebates that get spent

    Pay manufacturer and retailer rebates onto a card instead of a check, with the rebate ID in the card's metadata.

  • More value at major brands

    Pair a refund or rebate with discounts of up to 10% at major brands, so customers get more from choosing your wallet.

Savings apps that reward saving

For savings apps that pay perks instead of interest, a card in your brand turns those perks into something members use every week.

  • Perks on a card

    Load monthly perks onto members' cards as their savings grow, ready to spend wherever Visa is accepted.

  • Brand rewards built in

    Offer discounts of up to 10% at major brands as a perk in their own right, funded from your prepaid balance.

  • A card for each goal

    Give a savings goal its own card with a limit, so money set aside for a trip or a purchase is spent on exactly that.

Why loyalty and rewards programs build on Moon

  • Rewards that feel like money

    Members spend rewards wherever Visa is accepted, in stores and online, not in one place only.

  • Your brand in their wallet

    Members carry a card in your brand and see every reward land inside your app. You set cardholder fees, and they can be zero.

  • Every reward tracked

    Each card and load carries your member and campaign IDs, so finance sees which campaign paid for which reward, and daily reconciliation files tie it to your books.

  • Controls per campaign

    Set limits by amount per day, week or month and by merchant category, card by card, so each campaign's rewards are spent the way you intended.

How it works

  1. Connect

    Integrate the Moon API, or start with our team on a pilot.

  2. Issue

    Create cards and send payouts from your own product.

  3. Control

    Set limits per card and see every transaction.

Questions

Can members spend rewards anywhere?
Anywhere Visa is accepted, in stores and online, unless you limit a card to certain merchant categories for a campaign.
Can we pay refunds and rebates the same way?
Yes. A refund, rebate or cashback payment is a card load like any other: your system adds the amount through the API, with its reference in the card's metadata, and it's ready to spend once the call succeeds.
Do members need to verify their identity?
If your program requires it, yes. Moon gives you a hosted identity verification (KYC) link to send each cardholder, and a webhook tells you when their status changes. Their card is issued as soon as they're approved.
How are rewards funded?
From your prepaid balance with Moon, which you fund by bank transfer. Each card you create or load draws its amount from that balance, and if the balance falls short the request is refused and nothing is debited. A webhook tells you when new funds arrive.
Where can we launch, and which licenses do we need?
Card programs can launch for members in the US, Latin America and Southeast Asia. Tell us where your members are based, and we'll plan which groups to launch first. Cards are issued by Moon's partner financial institutions under their licenses, so you don't need a card-issuing license of your own; we go through anything your own program needs during onboarding.
Can we start with a pilot?
Yes. Start with one campaign or one group of members, see how they spend their rewards, then roll out. Before any real money moves, the Sandbox runs the same endpoints as production with its own keys: issue member cards, load a reward, and simulate purchases, refunds and reversals.

Make your next reward spendable everywhere.

Tell us how members redeem rewards today, and we'll set up a sandbox for your team.

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