Card-issuer discounts, applied at checkout
Enable issuers to fund discounts for their cardholders — targeted by BIN, card type, wallet, merchant, or product category. Real-time eligibility at the point of payment.
How it works
End-to-end issuer-funded discounts in four steps
Issuer creates campaign
Define targeting rules, budget caps, and discount mechanics through the dashboard.
Customer enters card at checkout
Real-time BIN lookup identifies the card issuer, scheme, and type in milliseconds.
Discount applied instantly
Matching campaigns trigger animated discount banners. Budget is reserved atomically.
Issuer funds the discount
Settlement happens via Stitch. The merchant receives full price, the issuer covers the discount.
Campaign Management
Create discount campaigns with issuer targeting, card type rules, merchant/brand filters, product categories, and flexible budget caps. Pause, resume, or adjust in real-time.
View campaignsHosted Checkout
Merchant-branded checkout with real-time BIN lookup, animated discount banners, saved card support, and Apple Pay / Google Pay integration.
Try checkoutAnalytics & Monitoring
Track redemptions by issuer, monitor budget utilisation, and get alerts when campaigns approach spending limits. Full audit trail on every transaction.
View analyticsTest with demo cards
Use these BIN prefixes in the checkout to trigger different discount campaigns
FNB
Visa Credit
40270010% off beautyNedbank
Visa Credit
42590015% off electronicsAbsa
Visa Debit
408100R50 offCapitec
Visa Debit
4175005% cashbackReady to integrate?
The issuer discount platform connects to your existing Stitch checkout. One API call to check eligibility, one webhook for settlement.