Cash discounting participation
Run a compliant cash-discount program on your FinCo processor placement — earn ongoing points based on the volume processed through it. Bonus points credited the first month a new cash-discount program goes live.
Merchant Rewards
Your processor finally pays you back.
Every FinCo merchant earns redeemable rewards points just for being on the platform. Run a cash-discounting program — more points. Roll out dual pricing — more points. Refer another business owner — more points. Redeem for gift cards, travel, experiences, electronics, and lifestyle products from the FinCo rewards portal.
How you earn
Four ways your account earns points every month.
Points are credited to your rewards portal balance automatically — review them whenever you log in. No claim forms, no quarterly windows, no "must redeem by" expirations on the standard tier.
Dual pricing rollouts
Roll out a dual-pricing program and earn one-time bonus points plus an ongoing percentage of dual-pricing volume. We provide the signage, receipt language, and disclosure copy as part of onboarding — you do the rollout, we credit the points.
Referrals
Refer a fellow business owner. If they board with FinCo, you earn bonus points on their first month's volume plus an ongoing referral share for as long as they stay. No cap on how many you can refer — most referrals come from operators who already trust the model.
Account tenure
The longer you stay on the FinCo platform, the more your monthly base credit grows. Tenure tiers compound automatically — you don't have to ask, opt in, or remember anything. The relationship rewards the relationship.
What you can redeem for
The catalog includes things you actually want.
FinCo's rewards catalog is curated, not a generic merch dump. Categories rotate quarterly. A snapshot of what's typically available:
Gift cards
Amazon, Visa, Target, Apple, Whole Foods, and 100+ retailers. Easiest path to liquidity on your points balance.
Travel
Hotel stays, flights, vacation packages. Higher point values, higher real-world value.
Experiences
Curated experiences, dinner reservations, event tickets, classes. Memorable redemptions for higher-tier balances.
Electronics
Phones, laptops, headphones, smart home devices. Major brands, current models.
Lifestyle & home
Kitchen, fitness, outdoor gear, fashion accessories. Curated, not endless.
Operator-only specials
FinCo-merchant-only quarterly redemptions — limited-run items, business equipment, conference passes.
How redemption works
Log in. Pick. Ship.
1. Log in
rewards.fincopayments.com — your existing account credentials work. Forgot them? Contact FinCo for a reset.
2. Browse + redeem
Filter by category or by points cost. Pick an item, confirm the redemption, enter shipping (for physical items) or email (for digital).
3. We handle the rest
FinCo confirms the order, ships the item or delivers the digital code, and updates your balance. Most physical items arrive in 5–10 business days; digital codes usually same day.
Already a FinCo merchant?
Log in to your rewards portal to see your current balance, check earning history, and browse the catalog.
Not yet a FinCo merchant?
The rewards program is just one piece. Upload your current processing statement — we'll show you what the full FinCo placement would look like, including how the rewards economics compound on your specific volume.