Loyal customers are worth 22 times more than average customers

Download ‘The Tipping Point of Loyalty’ report to find out more.

The Tipping Point of Loyalty report cover

The future of cashback is frictionless

Give your users the lowest-friction cashback experience on the planet with the Upside Reward API

How Upside works

  • Connect via Open Banking


    Takes less than 2 minutes

    Your users opt-in for effortless rewards and connect their bank accounts securely via Open Banking.

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  • Shopping trolley


    Online and on the High Street

    Upside automatically spots transactions that qualify for our retailer offers as users shop. No links to click or codes to use.

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  • Money on screen


    New offers added weekly

    Cashback is automatically tracked within a few hours and paid within a few days (not months!).

Upside enables incremental revenue while providing sophisticated insights built on Open Banking data.


Use our SDKs for a low-effort approach to enabling bank connection journeys. We’ve partnered with Plaid, a global leader in open banking technology, to provide a convenient, off-the-shelf connection solution that works with the Upside Reward API.

  • JavaScript Web SDK JavaScript Web SDK Check
  • React Native SDK React Native SDK Check
  • iOS Native SDK Coming soon
  • Android Native SDK Coming soon

If you already have an open banking solution in place, please get in touch. We can ingest data from your existing connections so there’s no need to ask your users to link a bank account twice.


Introducing Minerva, Upside’s proprietary artificial intelligence that sits under the hood of the Upside Reward API. Minerva matches banking transactions to valid cashback offers to power the next evolution in cashback and rewards.

No links to click, no cookies to track, no voucher codes to use. Just frictionless cashback and high quality engagement between you and your users.

There are over 70 retailer offers live in the platform today, with more being added every week. With our API-first solution, you have full control over the front-end experience you want to provide.

Smartphone with cashback notification


Every time your users earn cashback, money accumulates in a business e-money wallet that we set up for you. Our API gives you all the information you need to keep track of what each of your users are earning. You can make withdrawals from the wallet at any time.

How you want that money to be used depends on what’s right for you and your business. The money could go towards reducing your customers’ monthly bills, fund transactions within your app or service, or top-up a saving pot.

Upside dashboard shown on a laptop


  • Trial

    Integrating the Upside Reward API can be done in as little as a week.

    Start building straight away with test API keys and explore what frictionless cashback could look like for your users before committing to any fees.

    You can also find our API documentation here.


    Up to 100 users

  • Launch

    • 70+ cashback offers with more added weekly
    • Includes Upside’s open banking connection
    • Service Desk support


    Minimum commitment

    • OR £0.50 per user/month (Whichever is greater)
    • £1,000 one-off activation fee
  • Scale

    • Everything from Launch
    • Supports data integration with existing open banking providers
    • Account Manager support


    Minimum commitment

    • OR £0.35 per user/month (Whichever is greater)
    • £1,000 one-off activation fee
  • Enterprise

    Get in touch to design a custom package for your business.


    Bespoke volume-based pricing

Prices shown exclude VAT

From a winning team

  • Techstars
  • Tech Nation Rising Stars: Regional winner
  • Founders Factory