Cashback Rewards · Africa
Cashback rewards
built for Africa.
Send cashback rewards triggered by any spend event — at the point of sale, on bill payment, on data top-up, or at checkout. Recipients get their cashback as a reward card, redeemable at local brands in their currency.
Real-time
Trigger on any event
Local
In-country currency
API
Fully programmable
Live cashback events
Grocery spend
Nigeria · spend ₦15,000+
₦750 back
5% cashback
Data bundle
Kenya · spend KSh 500+
KSh 50 back
10% cashback
Fuel purchase
South Africa · spend R300+
R15 back
5% cashback
Electricity top-up
Ghana · spend ₵80+
₵6 back
7.5% cashback
Issued in real-time · no batch processing
How it works
Cashback as a reward card, not a reversal.
Traditional cashback means crediting money back to an account — expensive, slow, and operationally heavy. RibiRewards Payout cashback delivers a reward card to the recipient instead. Same perceived value to the customer, dramatically lower cost and complexity for you.
Traditional cashback
Reversal takes 3–5 business days
Expensive to process per transaction
Requires bank/wallet integration per market
No control over where money is spent
RibiRewards Payout cashback reward card
Issued in under 2 seconds
No bank reversal — far cheaper per issuance
One API works across 13 African markets
Recipient spends at curated local brands
{
"customer_id": "cust_KE_3j9f2c",
"trigger_event": "purchase",
"spend_amount": 2400,
"currency": "KES",
"cashback_rate": 0.05,
"channel": "sms",
"phone": "+254712345678"
}
// Response
{
"cashback_value": 120,
"currency": "KES",
"reward_card": {
"category": "Grocery",
"redeemable_at": ["Carrefour KE", "Naivas", "+12 more"]
},
"delivery": {
"status": "sent",
"channel": "sms",
"delivered_at": "2026-05-22T11:04:33Z"
}
}Cashback trigger types
Per-transaction (any spend event)
Spend threshold (monthly cumulative)
Category-specific (grocery, fuel, data)
First transaction bonus
Referral cashback on referred spend
Merchant-funded cashback
Use cases
Every cashback model.
Every market.
Banks, fintechs, e-commerce platforms, and FMCG brands across Africa all use RibiRewards Payout to run cashback programmes — without the operational overhead of traditional cash reversals.
Bank & card cashback
Send cashback on card spend — per transaction, per category, or per merchant. Works on debit cards, credit cards, and virtual cards across Nigeria, Kenya, Ghana, South Africa, and Egypt. Cashback delivered as a reward card, not a bank reversal.
Fintech & mobile money cashback
Trigger cashback on mobile money transfers, bill payments, or wallet top-ups. Ideal for fintechs building loyalty on OPay, Flutterwave, M-Pesa, MTN MoMo, and similar rails.
E-commerce purchase cashback
Send cashback on checkout — percentage of order value, fixed amount, or category-specific. Works via API webhook on any e-commerce stack. No SDK required.
Utility & bills cashback
Reward customers for paying electricity, water, internet, or TV bills via your platform. Cashback sent the moment payment confirms. Strong retention driver for USSD-first bill payment apps.
Spend threshold programmes
Send escalating cashback based on cumulative monthly spend — 2% at ₦50k, 5% at ₦100k, 10% at ₦200k. RibiRewards Payout tracks spend per customer and issues the right reward at the right threshold automatically.
Multi-market cashback campaigns
Run a unified cashback programme across Nigeria, Kenya, Ghana, and South Africa. One API integration, local currency cashback per market, consolidated reporting across all markets.
Coverage
Cashback rewards in local currency across 13 markets.
Nigeria
NGN (₦)
Kenya
KES (KSh)
South Africa
ZAR (R)
Ghana
GHS (₵)
Egypt
EGP (E£)
Morocco
MAD
Rwanda
RWF (RF)
Senegal
XOF (CFA)
Côte d'Ivoire
XOF (CFA)
Uganda
UGX (USh)
Tanzania
TZS (TSh)
Ethiopia
ETB (Br)
Zambia
ZMW (ZK)
Get started
Build your cashback programme.
Tell us your trigger events, markets, and cashback rates. We'll configure the programme — you keep your customers coming back.