PokitPal
Card-linked rewards and consumer distribution across ANZ.
Headline figures are self-reported by the member and not verified by FinTech Australia.
Everyday card spend turned into measurable value.
PokitPal operates a two-sided network: enterprise publishers on one side, more than 1,000 merchants on the other, monetised through transaction fees and recurring SaaS. The company reports that not all merchants are directly contracted; paying customers are reported in the 201-1,000 band below.
Legacy loyalty economics have broken
Falling interchange rates have broken the economics of traditional bank rewards, leaving issuers struggling to keep cards top-of-wallet. Retailers waste marketing spend on customer acquisition they cannot measure. Member-based organisations lack the tools to keep members engaged. Three large customer groups, each facing a structural gap legacy loyalty models cannot close.
Loyalty that funds itself
PokitPal turns everyday card spend into measurable value: issuers retain engaged cardholders, retailers acquire customers on pure pay-for-performance, and member organisations lift participation. No codes, no separate apps, no upfront build. Loyalty funded through merchant rewards rather than shrinking interchange, with returns every party can measure.
Distribution that takes years to win
PokitPal is integrated at card-network level with Visa and Mastercard, and embedded with enterprise publishers including ING, Suncorp and ANZ New Zealand, reaching millions of cardholders. These enterprise integrations take years to win and build, giving instant scale no new entrant can replicate quickly.
The market they are selling into.
PokitPal targets Australia's loyalty market, A$1.8B and growing 13% annually. The catalyst: from October 2026, RBA reforms remove around $910M a year from card economics, driving banks towards merchant-funded rewards. PokitPal is already there, at nearly $10M ARR from 3% activation across a member network the company reports at more than 15 million.
Technology and compliance
Visa provides network-level card-linking rails, matching cardholder transactions to merchant offers in real time. Mastercard extends card-linked offers across its own network. EML provides issuer-processor integration for card and program management underpinning payments and settlement. ISO 27001 accreditation is in progress, planned for October 2026.
Three revenue streams, heavily weighted to recurring.
Revenue skews heavily recurring, at nearly $10M ARR, with FY2027 already contracted at approximately $10.5M from signed deals: a floor, not a forecast.
Three partnership layers, from card networks to member platforms.
Visa and Mastercard
Scheme-level integration providing the payment rails, with a parent-child publisher structure through Visa that connects multiple downstream publishers into the platform.
ING, Suncorp, Revolut, ANZ New Zealand
Enterprise publishers embedding card-linked offers directly into their cardholder bases.
Employment Hero, NRMA, EML, Beem
Platforms extending distribution into large member and workforce bases.
Gary Cobain, Founder · LinkedIn | pokitpal.com
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