Turn swipe fees into a loyalty cash back engine
The Problem With Traditional Swipe Fees
Every time a customer uses a debit or credit card, a portion of that transaction—typically between 1.5% and 3%—is taken by banks and card processors as an interchange or “swipe” fee.
For independent grocers, these costs add up quickly. On tight margins, a $50 transaction might only yield a few dollars of profit—before losing part of it to fees paid to financial intermediaries.
Swipe fees were designed to cover network costs and risk management, but for retailers, they’ve become a structural drain on profitability. The money that leaves your store through interchange rarely returns. Cashberry’s model changes that.
Redirecting Value Back to Your Store
Cashberry’s platform reimagines what happens to interchange revenue. Instead of watching fees disappear into the banking system, we recapture and redistribute that value back to your store and your shoppers.
Here’s how it works:
Lower-Cost Debit Network
Cashberry issues a co-branded Mastercard debit card for your store, using our own processor relationships and debit rails. These carry lower interchange costs than traditional credit transactions.
Cashback Distribution
The difference between standard swipe fees and Cashberry’s optimized debit costs is converted into instant cashback rewards for your customers—funded by Cashberry, not by you.
Local Recirculation of Capital
Customers redeem their cashback exclusively at your store. Every redemption is new capital injected back into your business rather than value lost to third-party processors.
The result: what was once a cost center becomes a self-sustaining loyalty engine.
Creating a Loyalty Loop From Processing Costs
The strength of this model lies in its circularity:
A customer uses your co-branded debit card.
Cashberry processes the payment at a lower cost and funds cashback rewards.
Those rewards can only be redeemed at your store.
The next purchase starts the cycle again.
Each transaction strengthens the customer relationship, boosts repeat visits, and keeps money circulating within your store’s ecosystem. This is loyalty powered not by marketing expense, but by financial optimization.
Cost-Free for Grocers, Valuable for Customers
Cashberry absorbs all processing, issuing, and compliance costs. You don’t pay platform fees or fund the cashback yourself.
Customers receive a powerful reason to keep shopping with you, while your store benefits from:
Lower effective swipe fees
Higher customer retention and basket size
Increased revenue from cashback redemptions
It’s a model where every swipe strengthens loyalty, not erodes margin.
From Cost to Competitive Advantage
Large chains have long benefited from co-branded financial products that generate interchange income and fund reward programs. Cashberry brings that same capability to independent grocers—without complexity, cost, or risk.
By converting swipe fees into a loyalty cashback engine, you transform an unavoidable expense into a customer growth strategy that compounds over time.
Ready to see how Cashberry can turn your swipe fees into loyalty revenue?
