Merchant Rewards

The relationship pays you back.

FinCo Rewards puts cash back and reward points on the programs you already run, and pays a share of our own revenue to the people who introduce new merchants. Take it as cash, or redeem it for gift cards, travel, experiences, electronics and lifestyle items in the rewards portal.

Log in to the rewards portal → Not a merchant yet? Get the free analysis →
How you earn

Three ways to earn, and all three grow with you.

Refer the owners you know, run dual pricing, or put your audience to work as an ambassador. Every one of them pays on relationships that last, which is the only kind we build.

Referral partners

Know an owner who is overpaying? Send them our way. When a business you introduce boards with FinCo, you earn $100 in FinCo Reward Points, and up to $100 more when the new account processes over $100,000 a month. No cap on how many you can refer.

Refer regularly, as an accountant, bookkeeper, POS reseller, agency or anyone who talks to business owners every week, and you can become a referral partner: a 10–20% share of FinCo’s revenue on every account you introduce, for as long as it stays with FinCo. Where you land in that range is set in your partner agreement. Ask us how partners reach the top of it.

  1. Send us the owner’s name and what they do.
  2. We do the statement read, the placement and the onboarding.
  3. Your points post once they are live. Partner shares pay monthly, once FinCo has received the residual.

Refer someone, or ask about becoming a partner →

Dual pricing rewards

Roll out dual pricing and get paid for running it well. Post a cash price and a card price side by side, and the card price carries the cost of processing. You earn one-time bonus points when the program goes live, plus ongoing points on the dual-pricing volume you run through it, month after month.

We supply the signage, the receipt language and the disclosure copy as part of onboarding, and we check the rules for your state before anything changes. You do the rollout, we credit the points.

  1. We confirm dual pricing fits your state, your card mix and your customers.
  2. Signage, receipts and disclosures go up with your consultant.
  3. Bonus points post when it is live. Volume points follow every month.

See how dual pricing works →

Ambassador program

Have an audience? Put it to work. For bars, breweries, venues, creators and brands with a following. We run collaborations and ads with your page, and you get a link and a code. Anyone who signs up through them earns you a 10–20% share of FinCo’s revenue on that account for as long as it stays live.

You never sell anything and you never touch pricing. You make the introduction, we do the rest, and the share is yours as long as the relationship lasts. Where you land in the range is set in your ambassador agreement.

  1. A short call to see whether your audience and ours line up.
  2. Your agreement, your link and your code, in writing.
  3. Collaborations go out, sign-ups come in, and your share pays monthly.

Ask about becoming an ambassador →

Also on the table for every account.

Cash-discount participation

Run a compliant cash-discount program on your FinCo placement and earn ongoing points on the volume processed through it, with bonus points the first month a new program goes live.

Account tenure

The longer you stay with FinCo, the more your monthly base credit grows. Tenure tiers step up on their own. You do not have to ask, opt in or remember anything.

Everything here is cash back

FinCo Rewards is structured as cash back on processing you have already paid for, a rebate against your own cost. That is true whether you take it as cash or redeem it in the catalog. Referral and partner earnings are treated differently; see the note at the bottom of the page.

What you can redeem for

A catalog of things you actually want.

The rewards catalog is curated, not a generic merch dump. Categories rotate quarterly. A snapshot of what is usually available:

Gift cards

Amazon, Visa, Target, Apple, Whole Foods and more than 100 other retailers. The fastest way to turn a points balance into something useful.

Travel

Hotel stays, flights and vacation packages. Higher point values, higher real-world value.

Experiences

Dinner reservations, event tickets, classes and curated experiences. Memorable redemptions for larger balances.

Electronics

Phones, laptops, headphones and smart-home devices. Major brands, current models.

Lifestyle & home

Kitchen, fitness, outdoor gear and accessories. Curated, not endless.

Operator-only specials

Quarterly redemptions for FinCo merchants only: limited-run items, business equipment and conference passes.

How redemption works

Log in. Pick. Ship.

2. Browse and redeem

Filter by category or by points cost. Pick an item, confirm the redemption, and enter a shipping address for physical items or an email for digital ones.

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 to 10 business days; digital codes usually land the same day.

Already a FinCo merchant?

Log in to see your balance, your earning history and the catalog. Want to refer someone or ask about the partner and ambassador programs? Your consultant is one message away.

Open the rewards portal → Message your consultant

Not yet a FinCo merchant?

Rewards are one piece of it. Send your current processing statement and we will show you what the full FinCo placement would look like on your volume, and what the rewards would add on top, usually within 24 hours.

Get my free statement analysis → Book a call first

A note on how rewards are treated

Merchants may qualify to receive FinCo Rewards as cash back on processing they have already paid for, a rebate against their own cost rather than additional income. Where that applies, rewards are generally not treated as taxable income. Whether it applies to you depends on your entity, your books and how the rewards were earned.

Referral, partner and ambassador earnings are different. Points earned by referring another business, and revenue shares paid to referral partners and ambassadors, are generally treated as reportable income whether taken as cash or as points, and may be reported on a Form 1099. That is true across the payments industry, not just at FinCo.

Partner and ambassador shares are set in each agreement, are paid on revenue FinCo has actually received, and are never more than 20% of FinCo’s revenue on an account. Points and bonuses are awarded at FinCo’s discretion under the program terms. FinCo Payment Solutions LLC is not a tax advisor and none of the above is tax advice. Confirm the treatment with your CPA before relying on it.