Peppermint provides a card-issuing and payment platform that enables businesses to launch branded virtual and physical NFC cards, accept contactless payments from any NFC-enabled phone, and manage loyalty programs from a single dashboard. The platform supports offline payments, self-service customer top-ups, and customizable settlement intervals, including instant fund access. Businesses can integrate with Peppermint via a plug-in for their own app or use the Peppermint app for a card-only experience.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses with multiple customers, sub-merchants, vendors, or members often struggle with fragmented payment systems, declined transactions, slow settlements, and limited control over the payment experience. This leads to lost revenue, poor customer loyalty, and operational inefficiencies, especially in environments like events, campuses, and leisure complexes.
Solution
Peppermint offers a unified card-issuing and payment platform that lets businesses create branded virtual and physical NFC cards, accept contactless payments from NFC-enabled phones or dedicated readers, and manage the entire payment lifecycle from a central dashboard. The platform enables offline payment acceptance to prevent declined sales, same-day or instant settlements, and self-service customer top-ups via the Peppermint app or in-person kiosks. Businesses can customize card limits, build loyalty and rewards programs, and integrate payments into their existing apps with a simple plug-in. Refunds are processed instantly by crediting cards directly, avoiding the typical multi-week bank processing delays.
Target Audience
Primary customers are businesses operating membership programs, loyalty and rewards schemes, events and festivals, campus experiences, and leisure complexes that need to manage payments for a large number of customers, sub-merchants, vendors, members, and partners.
Features
- Virtual and physical stored-value NFC card issuance with customizable balance, transaction limits, and card designs
- Contactless payment acceptance via NFC-enabled phones using the Peppermint merchant app or dedicated card readers
- Offline payment processing that captures transactions even without connectivity, preventing lost sales
- Self-service customer top-ups through the Peppermint app or agent/kiosk-based cash top-ups
- Instant or same-day bulk settlements with flexible withdrawal rules and fund hold options
- Customizable loyalty and rewards programs integrated directly into the card program
- Dashboard for centralized management of cards, transactions, settlements, and sub-merchants
- API and plug-in integration for embedding card management into existing customer-facing apps