An earnings account inside your app, held at a partner bank.

Members hold a cash-back wallet balance. Roots embeds accounts for your members that are held at our partner banks. Balances sit in the app, move out by ACH or card, and are reconciled against the bank's records every day.
Talk to a rewards program payments specialistAll loyalty & cash-back programs solutions
Free 30-minute consultation. Review your setup, compare options and leave with clear next steps.

Payment solutions for loyalty & cash-back programs

How each solution supports loyalty & cash-back programs

See what each option adds to the way your business takes and tracks payments.

Rewards & Incentive Payouts

For loyalty & cash-back programs: Send approved incentives to reward recipients and incentive participants, keeping program references and reward amounts with each disbursement. Members redeem to bank, card or gift card. Roots sets up incentive payouts where recipients pick bank transfer, a prepaid card or other options, provided through our licensed banking and money-transmission partners. Fraud checks and tax data are built in.
  • Design reward options and campaign rules
  • Integrate with your CRM or research platform
  • Set fraud controls
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Embedded Accounts

For loyalty & cash-back programs: Plan account and money-movement workflows for reward recipients and incentive participants within your platform's operating process. Members hold a cash-back wallet balance. Roots embeds accounts for your members that are held at our partner banks. Balances sit in the app, move out by ACH or card, and are reconciled against the bank's records every day.
  • Pick an account structure with the partner bank
  • Design the ledger and reconciliation with the bank's records as the source of truth
  • Build the in-app account experience

Instant Payouts

For loyalty & cash-back programs: Plan faster disbursements to reward recipients and incentive participants, matching each transfer to approved earnings or completed work. Members can redeem within minutes. Roots enables fast payouts through card networks and the RTP and FedNow real-time rails, provided through our licensed banking and money-transmission partners. Funds usually arrive within minutes, depending on the receiving bank.
  • Choose card-push versus real-time bank rails for your payee base
  • Set pricing and disclosure copy for any fast-payout fee
  • Implement eligibility and fraud thresholds
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Custom Payment Integration

For loyalty & cash-back programs: Connect the payment flow for incentive programs, rebates and reward funding with your software and the operational records behind reward approvals, participant balances and redemption records. Offer networks are connected to member ledgers. When off-the-shelf tools don't fit, Roots' team designs and builds the integration, connecting your platform, partner APIs, ledger and accounting.
  • Discovery and funds-flow workshop
  • Build and test in sandbox
  • Launch and hypercare
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Embedded Accounts questions

Questions rewards program teams ask about payouts.
They place an account experience within a platform or business workflow. Roots coordinates the program design and service-partner introduction.
The account provider handles account opening and its financial services. Roots helps organize onboarding, the software connection and transaction reporting.
Bring your platform, account use cases and customer onboarding flow. Roots uses these details to plan the workflow for loyalty & cash-back programs and prepare a clear setup scope.
Request a quote for your business and the setup you need. We review the scope and costs with you before you proceed. Consultations and payment reviews are free.

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Book a free 30-minute review. We’ll map your setup, explain the options and work through clear next steps.
Talk to a rewards program payments specialistAll loyalty & cash-back programs solutions