How are offers distributed to customers?

Offers can be distributed via email (branded templates with tracking), WhatsApp (rich media with instant delivery), SMS, social media (shareable links with UTM tracking), direct URLs, and QR codes (print-ready for in-store use).

How does real-time validation work?

Every redemption is validated before it clears via QR scan (camera or scanner), store PIN (offline fallback), or API call. Multi-currency auto-conversion is supported at point of sale for global programs.

Can merchants self-serve on the platform?

Yes. The merchant portal supports self-serve signup with KYC, merchant classification and tiering, configurable limits, and automated settlement and reconciliation for payouts.

What analytics and reporting are available?

Real-time dashboards show issuance, redemption, revenue impact, and merchant performance. Data is available via CSV exports and API access, with threshold-based alert notifications.

How does the platform handle personalization and engagement?

The platform supports behavior-based recommendations, geo-targeted offer surfacing based on user location, and gamification features like scratch cards and spin-to-win mechanics to drive engagement.

How does merchant onboarding work, and how long does it take?

The platform side of onboarding takes minutes. Invite a merchant, configure their access, and they're set up to draft offers. The total timeline depends on your own onboarding process (contracts, KYC, commercial terms), which typically takes anywhere from a day to a week. Plum is the technology underneath. The pace of the paperwork is yours; the platform doesn't slow it down.

Can we white-label the marketplace to our brand?

Yes, fully. Custom domain, custom branding, custom look and feel. The marketplace presents as your product, not Plum's. Same applies to merchant-facing surfaces, customer-facing pages, and email templates.

How does settlement and reconciliation work between us and our merchants?

Plum is the technology provider. The platform captures every redemption (offer ID, merchant, customer, value, timestamp) in near real time and exposes the data through dashboards and reporting APIs. You use that data to reconcile with your merchants directly. If you'd like Plum to handle merchant onboarding and the operational side end-to-end, Plum can run reconciliation as a managed service. Most program owners choose one model or the other depending on how their merchant relationships are structured.

Can this integrate with our existing loyalty program, CRM, or data warehouse?

Yes. Plum exposes REST APIs for offer issuance, redemption validation, and reporting, and ships with pre-built integrations for common CRM, HRMS, and finance tools. Redemption data can be pulled into any BI or data warehouse environment through the reporting API.

Offer Management

Merchant-funded offer programs, built to scale globally

Plum gives program owners one platform to onboard merchants, approve offers, distribute across channels, and reconcile every redemption at global scale.

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Trusted by program owners at 500+ companies

Capabilities

Designed to support the full merchant-funded offer lifecycle

Every step, from merchant approval to campaign reporting, runs through one platform, so program owners always know where things stand.

Bring merchants onto your program, give them scoped access, and approve every offer before it goes live. You stay in control of the marketplace.

Merchants sign in through a self - serve portal to draft and submit offers; approval workflows let you review, request changes, approve, or publish on their behalf.
Role - based access gives admins, reviewers, merchant users, and finance their own scoped permissions.
A merchant directory keeps agreements, contacts, categories, and performance in one place, with separate storefronts and offers per location.
A merchant wallet lets merchants fund credits for services, module subscriptions, and campaign activity.

Configure every offer with full control over value, rules, eligibility, and lifecycle. Adapt the offer to every customer touchpoint.

Choose from fixed value, percentage discount, free format, product based, BOGO, and tiered offers based on spend or quantity.
A rules engine supports custom offer logic when standard offer types aren't enough.
Budget controls cover redemption caps, minimum spend, maximum discount, and day of week or time of day limits.
Customize the offer image, original price, brand logo, validity period, and terms for every campaign.
Get notified when offers are expiring so nothing lapses unnoticed.
Publish a single offer to multiple marketplaces from one window.

Distribute offers across every touchpoint with consistent branding and a frictionless redemption flow.

Offers can be distributed through email, SMS, WhatsApp, social, your website, and mobile apps.
Shareable URLs and QR codes work across both online and offline channels.
Customers can discover nearby offers through a "near me" view powered by Google Maps.
Customizable templates make it easy to launch SMS and email campaigns on brand.

Validate every redemption at the point of use, with the method matched to how your program operates.

Store PIN validation gives merchants a secure way to approve redemptions on their side.
OTP - based validation adds an extra verification step for programs that need it.
Customers can redeem offers as guests, without creating an account or logging in.
Customers across different regions can redeem offers in their local currency.
AI - driven recommendations personalize which offers a customer sees at redemption.

Track every offer in real time and close the books with finance-grade reporting across programs and currencies.

Real - time dashboards give program owners a quick view of offer performance and customer engagement.
Detailed reports cover redemptions, validations, campaigns, and customer feedback.
Reports can be filtered by offer type, merchant, date, time, and offer status.
A reporting API lets you pull redemption data directly into any business tool.

Drive higher engagement and loyalty with personalized, targeted offers that align with user behavior, preferences, and lifecycle stages.

Send personalized offers to specific customer segments through email.
Build customer pools to group and target audiences for a specific campaign.
Collect customer feedback to improve how offers perform over time.
Customers can save favorite offers and track redeemed offers in their wallet.

Engage customers with offers they will redeem

Why it works

The upside of running merchant-funded offers

Build stronger customer relationships with relevant merchant offers while reducing operational effort through a centralized, scalable offers platform.

Higher customer engagement

Relevant merchant offers encourage repeat visits, deeper interactions, and stronger engagement across your digital channels.

Increased transactions

Everyday savings motivate customers to spend more often, increasing card usage, purchase frequency, and transaction value.

Improved customer retention

Personalized offers keep customers engaged over time, increasing repeat purchases and long-term loyalty.

Faster time to market

Launch new campaigns quickly with a ready merchant network and centralized offer management workflows.

Zero loyalty liability

Merchant-funded offers reduce the need to finance rewards internally, delivering customer value without adding loyalty costs.

Scalable program growth

Expand merchant partnerships, categories, and campaigns without increasing operational complexity or manual effort.

Merchant Offers

Offers from the brands your customers already love

Plum's merchant network spans the categories that drive the most engagement, from everyday dining to travel and tech, so every offer feels relevant, not generic.

Dining and restaurant offers from top food brands

Fashion and apparel offers from leading retailers

Travel and flight offers from hotel and airline partners

Hotel and stay offers from leading hospitality brands

Electronics and gadget offers from major brands

Education and learning offers from online course and certification providers

Home and living offers from furniture and decor brands

Automotive and mobility offers from ride-hail and auto-care brands

Fuel and transportation offers from major stations

New merchants and categories are added regularly, so the network keeps expanding.

How it works

Merchant onboarding & offer lifecycle

Client requirements

Capture the merchant wishlist, categories, audience, and campaign goals.

Merchant curation

Shortlist merchants that fit the program's goals and market.

Outreach & negotiation

Negotiate terms, finalize offers, and sign partnership agreements.

Offer onboarding

Configure offers, rules, and campaign details, and onboard merchants.

Production sign-off

Get final sign-off from the program owner and go live.

Use cases

Who runs merchant-funded offers on Plum

Banks

Card-linked offers and partner discounts for cardholders. Drive interchange and merchant relationships.

Telecom

Subscriber perks and partner-funded plans. Differentiate plans with branded merchant offers.

Airlines & travel

Member offers from hotels, dining, and retail partners. Reward miles or status with merchant-funded value.

Retailers & marketplaces

Brand-funded promotions inside your owned channels. Vendor partners co-fund the discounts you ship.

Employer perks platforms

Brand discounts as an employee benefit. Curate offers from merchants your workforce actually uses.

Fintechs & super-apps

Partner offers as a monetization layer. Drive in-app engagement with merchant-funded value.

Customer Stories

From pilot to proof

Banks already running merchant-funded offers, and the results they're seeing.

Global Bank - UAE & Qatar

A branded offers marketplace covering dining, lifestyle, and travel, with merchant sourcing and fulfillment handled end to end so internal teams could focus on strategy instead of logistics. Refreshed every 30 days, cutting operational effort by 40%.

Retail, wealth & corporate banking

UAE & Qatar · Offers marketplace · 1,000+ offers across 10+ categories

Private Bank · Teens & Gen Z Banking

Two segment-specific, white-labeled offer microsites for Teens and Gen Z savings customers, unlocked by a campaign-level access code and mobile OTP, with offer procurement, inventory, and lifecycle fully managed behind the scenes.

Teens & Gen Z savings customers

India · Offers marketplace · 2 branded microsites, 24+ curated offers

Common questions

Everything you would want to know

The platform supports fixed discounts, percentage off, BOGO, tiered offers (spend-based or quantity-based), and custom offer logic via a rules engine. Each offer type can be configured with value, validity, quantity limits, and redemption rules.