Accrue provides an API‑driven digital wallet that lets retailers and e‑commerce brands embed a branded stored‑value account, configurable rewards engine, and ACH‑based payment processing into web, mobile, or POS experiences. The platform converts refunds into wallet credits, offers pre‑funding tools, and delivers real‑time first‑party analytics to drive higher spend, repeat purchases, and lower transaction costs.
Funding
Funding not disclosed
Founders
Product
Problem
Many merchants rely on fragmented loyalty programs that use separate points systems, limited payment integration, and costly refund processes, resulting in low customer engagement and poor data insight. Traditional refunds often require expensive processing and fail to encourage repeat purchases, while merchants lack a unified way to incentivize spending and capture first‑party financial data.
Solution
Accrue offers an embeddable digital wallet platform that unifies stored‑value accounts, a configurable reward engine, payment processing, pre‑funding tools, and instant closed‑loop refunds into a single API‑driven solution. Brands can launch a branded wallet on their website or app, allowing customers to load funds, earn rewards, and receive refunds that remain within the merchant’s ecosystem. The platform leverages low‑cost ACH and bank rails to reduce transaction fees and provides real‑time analytics that surface spending patterns and enable data‑driven loyalty campaigns. By turning one‑off transactions into repeatable wallet activity, Accrue helps merchants increase average order value, shopper frequency, and overall lifetime value.
Target Audience
The primary customers are retail, e‑commerce, and CPG brands seeking to enhance loyalty, as well as fintech platforms that want to embed a white‑label wallet and rewards solution into their offerings.
Features
- Branded stored‑value wallet with SDKs and REST APIs for rapid integration across web, mobile, and POS channels
- Customizable reward engine that lets merchants define rule‑based incentives, eligibility windows, and tiered payouts
- Pay‑by‑bank (ACH) processing with over‑99 % U.S. bank coverage, delivering sub‑cent transaction costs
- Pre‑funding module supporting scheduled deposits, round‑ups, and crowd‑funded contributions to boost future spend
- Instant refund feature that converts returned amounts into wallet credit, reducing refund fees and driving repurchases
- Real‑time dashboard delivering first‑party financial and behavioral analytics for targeted marketing
- Fully brandable UI components and white‑label design to maintain brand consistency
- PCI‑DSS compliant infrastructure with end‑to‑end encryption and role‑based access controls