Solutions / Card-Linked Offers

Card-Linked Offers

We are card-linked offer specialists.

Mimojo runs card-linked programmes end to end. Our own CLO engine sits on the Visa and Mastercard rails, the merchant network is already contracted, and every reward is matched to the transaction that earned it.

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How a reward happens

Card linked once Nothing to register again Customer pays Validated at authorisation Cashback applied No code, no claim

On the Visa and Mastercard rails, not at the till.

Our CLO programme

The engine, the network and the numbers.

A card-linked programme needs a connection to the card networks, merchants worth rewarding at, and attribution you can act on. Most providers supply one and source the rest. We own all three, which is why a programme can launch without assembling a supply chain first.

Our own CLO engine

Built in house and connected to Visa and Mastercard, applying offer rules at authorisation so a reward cannot be missed or applied wrongly.

A live merchant network

More than a thousand outlets across dining, grocery, retail and lifestyle, with acquisition, contracting and management handled by us.

Automated reward attribution

Every reward is matched to a validated transaction before it is funded, so programme cost and incremental spend both reconcile.

The market need

Customers want cashback. Merchants want control.

Demand for card-linked rewards is not in question. What has held programmes back is the merchant side: no way to cap exposure, no way to exclude, and no way to prove what the spend returned.

What customers want

80%are more likely to transact with a brand offering cashback
56%prefer instant rewards, with cashback ranked their first choice
42%are more likely to increase their spend with a brand offering cashback

What merchants need first

83%are concerned about offer stacking eroding their return
2.5xmore likely to join a programme that offers campaign controls and ROI visibility
40%of card-linked offers drive incremental revenue once exclusions and targeting are applied

Sources: Entrepreneur, Nielsen, McKinsey & Company, Deloitte and CardLinX.

Getting started

Let's build a proposition that drives real value.

Every brand has different commercial priorities, and loyalty is never one size fits all. The most effective programmes start with insight rather than assumptions, so we begin with three questions.

What is your commercial objective?

Acquisition, repeat spend, basket size or margin. The reward is structured around the answer.

Who are your target segments?

Existing customers, lapsed customers or shoppers new to the brand, reached through the right programme.

And how do they spend?

Category, frequency and average transaction value shape where the offer runs.

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