Scrip
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Use case · Cards & Banking

Card and banking rewards on Scrip.

Scrip runs the rewards ledger behind card and banking programs. Cashback, points, and tier bonuses stay correct for every customer, through authorization, settlement, reversal, and expiration. You keep your stack. Scrip keeps the books.

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Who it’s for

Rewards infrastructure for card and banking teams.

Scrip fits when rewards are core to the product and have to stay correct. You’re a fit if:

  • You lead a card or banking program (Head of Card, Payments, or Loyalty), consumer or commercial, on an issuer processor, BaaS provider, or as a neobank, and rewards drive retention.
  • Your earn logic is more than one flat rate: multipliers, tiers, welcome and balance bonuses, stacked promos.
  • Finance, compliance, or a banking partner will ask how rewards are earned, reversed (refunds and chargebacks), expired, and reconciled.
Reward shapes

Any reward scheme you can describe in data.

Card swipes, refunds, deposits, statement cycles: each enters Scrip as an event, and your rules decide what it earns. The shapes below are common, not a fixed menu. Scrip runs whatever rules you define.

  • 01

    Cashback, points & miles

    Any rate or currency, by merchant category, channel, or amount.3x points on dining, 1x everywhere else.
  • 02

    Category multipliers & rotating bonuses

    Rates you change without a product release, time-boxed or by segment.5% on groceries through Q3 for Gold cardholders.
  • 03

    Welcome, spend & balance bonuses

    One-time and threshold rewards tracked against actual spend or balance.$200 after $3,000 spent in 90 days, or $150 for a $5,000 average balance.
  • 04

    Debit & deposit rewards

    Earn on debit activity, direct deposits, round-ups, or savings goals, not just credit spend.$5 per paycheck direct deposit, plus round-ups matched 2x.
  • 05

    Tier status & bonuses

    Promote by spend, balance, or activity, then apply tier rates and perks.Platinum at $10k annual spend, earning 2x on every swipe.
  • 06

    Card-linked & merchant-funded offers

    Bring offers from a network like Kard in as events; Scrip runs the ledger, balances, and redemption accounting around them.8% back at a partner brand, funded by the merchant.
Timing

Where rewards touch authorization and settlement.

A card charge isn’t a single number. A restaurant check authorizes at $130, then settles at $150 once the tip is added. Reward on authorization and it feels instant, but the amount can still change; wait for settlement and the customer wonders where their points went. Scrip does both: it holds the reward on authorization, then trues it up when the final amount settles. Every step is a journal entry, so the balance stays correct.

tx · 9f2a·c14replaying
one card swipe · diningPA·7731 · mcc 5812
01tx.authorize$130.00 · dininghold+390 pending
02tx.settle$150.00 · +$20 tippost+60 · 450 total
running balance—0
Integration

Sits on top of your stack. Not in the money flow.

Your issuer processor or BaaS provider issues cards, authorizes, settles, and holds deposits. Scrip runs the rewards program on top: you send the events you already receive, Scrip resolves the customer, runs your rules, and writes to the ledger. Scrip never moves money. When a reward is redeemed, it records the entry and emits the event your statement-credit, payout, or fulfillment partner acts on.

Works with any issuer processor, BaaS provider, or core banking platform that can send an event. Their built-in rewards are usually basic; Scrip is for programs that need programmable rules, tiers, expiration, reversals, and an audit trail.

Stripe
Highnote
Synctera
Lithic
Marqeta
Airwallex
+ any provider that can send a webhook
How it fits
Your stack
issuer processor · BaaS · bank
Issues cards, authorizes, settles, and holds deposits.
you send eventstx.settle · $130.00
Scrip · rewards ledger
1Resolve the customer
2Run your earn rules
3Write a journal entry
available balance +390 pts
scrip emits an eventreward.redeemed
Your fulfillment
statement credit · payout · catalog
Your partner posts the reward and moves the money.
Only events cross into Scrip. Money stays with your processor and bank. Scrip records the ledger and emits events, never moving money.
> QUESTIONS

Cards & banking, answered.

Scrip runs the rewards ledger and rules underneath a card program. It ingests authorization and settlement events from your issuer processor, applies your cashback, points, and tier logic, and keeps balances correct through holds, reversals, and lot-level expiration. Developers integrate the API; operators manage the program from the dashboard.
Next

See if Scrip fits your program.

Tell us how your program earns and redeems today, and we’ll map it to Scrip. Request access for a founder conversation, or read the docs.

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Broader use cases

Cards and banking are where rewards, transactions, and accounting collide first. The same ledger runs marketplaces & platforms, retail & ecommerce, and subscriptions & SaaS programs too.