Merchant and promotional funding

In addition to integrating with your payment processor to let your customers add funds via card, mobile wallet (Apple/Google Pay), or bank account linking, Ansa offers a number of ways to let you fund your customers' balances for marketing or concession use cases.

There are a number of scenarios in which you may want to fund your customers' balances yourself.

For example, you may be running a one-off top up where you want to give an individual user or a subset of users a one time promotional credit of $5. Or, you may want all users that top up at least $25 to get $2 in additional credit every time they top up. Or, your customer support agent may want to give a concessional $10 credit to an upset customer that had a poor experience.

We offer a number of solutions to support the above scenarios, both via API and via the Ansa Portal.

Use Cases

One Time Top Ups

To issue a one time credit to a customer's balance, you can use the Fund customer balance API. You can also use the Ansa Portal to do this by navigating to a customer's page and clicking "Add funds."

Add Balance Promotional Tiers

We offer a flexible way to let customers earn promotional credit on adding funds, which can be helpful to incentivize your users to top up.

You can use the Update merchant API to set your promoConfig settings. We support a few options for how customer's can earn top up credit - first time only, once per tier (if you have multiple thresholds of amounts), or every time (tiered).

For example, a promo config of:

{
    "fundsExpirationPolicy": {
      "type": "never"
    },
    "rewardTiers": [
      {
        "minTransactionRequirement": 2500,
        "promoAmount": 500
      }
    ],
    "promoType": "first_top_up"
  }

indicates that the first time any customer adds at least $25 to their balance, they would get a $5 bonus, whereas:

{
    "fundsExpirationPolicy": {
      "type": "never"
    },
    "rewardTiers": [
      {
        "minTransactionRequirement": 2500,
        "promoAmount": 500
      },
      {
        "minTransactionRequirement": 5000,
        "promoAmount": 1000
      }
    ],
    "promoType": "tiered"
  }

indicates that any time a customer adds at least $50, they would get a $10 bonus, but if they added $30 they would get an additional $5.

You can also update these settings in the Ansa Portal by navigating to the Event based funding settings page.

Promo Codes

Using the Create promo code API, you can create a promo code with custom text that may be redeemed by customers via the Redeem API. Promo codes can be configured to be active during a specific time window.

You can also configure promo codes from the Ansa Portal by navigating to the Promo Codes settings page.

Referral Credit

We natively support a referral code system to let customers earn balance credit for referring other customers. Every Customer comes with an auto-generated referral code.

To claim a referral code on behalf a customer, you can use the Claim user referral API or the Create Customer API

You can use the Update merchant API to set your referralConfig settings. We support a couple options for what event triggers the redemption of the credit: create_user or add_balance. The latter may be useful if you want to avoid new user signup abuse and tie the redemption to once a customer actually adds a balance.

For example, a referral config of:

{
    "enabled": true,
    "redemptionEvent": "add_balance",
    "senderCreditAmount": 1000,
    "redemptionThresholdAmount": 0,
    "fundsExpirationPolicy": {
      "type": "never"
    },
    "recipientCreditAmount": 500
}

indicates that any time a customer uses a referral code, and then adds a balance (any amount), they will receive $5. The owner of the referral code will receive $10.

You can also update these settings in the Ansa Portal by navigating to the User referral settings page.

Cashback on Spend

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Interested in learning more about this feature? Contact us for more information!

You can configure Ansa to let customers earn promotional credit on spend instead of adding funds as a means of driving repeat spend, similar to Shopify Cash-back or credit card point rewards. Simply set the cashback percentage via the Portal or API, and Ansa will take care of the rest! Cashback is earned each time a shopper spends from their wallet.

Enabling Cashback

Cashback can be configured in the merchant portal by navigating to the settings page, Cashback, and designating how much cashback you'd like to give per transaction.

Alternatively, you can use the Update Cashback API to create a cashback campaign. For example,

{
  "cashBackCampaigns": [
    {
      "target": "all",
      "percentage": 1,
      "name": "1percent"
    }
  ]
}

Will grant 1% cashback on all purchases made from the wallet. You can specify a target segment for your campaign by including the segment name in the "target" parameter. Merchants can run multiple campaigns at a time. If a user qualifies for two different campaigns, they will earn the highest available cashback percentage.

You can check your cashback configurations by navigating to the cashback page in the portal, by using the Get Cashback API.

Considerations

Funding the Promotional Balances

Ansa supports two modes to let you "fund" the promotional balances that you give your customers using the above.

Deduction from payouts

The simpler option, Ansa will deduct from a settlement payout any promotional funds that you've given to your customers over the period since the last settlement.

For example, if your customers spent $1000 in a given week, and you gave out $50 in promotional funds to all of your customers during that week, Ansa would settle out $950. These items are denoted in the Incentives section in the settlement financial report.

Explicit promotional funding

If you want to back your promotional funding with physical money, we can configure your account to let you explicitly fund promotional funds from a linked bank account. You would then manage funds into this account and update the Ansa ledger using the Fund promotional account API.

For more details, please contact your implementation manager.

Expiring Balances

All promotional funds that you give customers may be configured with an expiration policy. If configured, funds can be set to expire a fixed number of days from to their redemption.

It is possible for a customer to have multiple "grants" of expiring funds.

If a customer has multiple expiring funds, when spending from the balance – we draw first from the funds with the earliest expiration, then promotional funds without an expiry, then customer added funds.

Customer added funds will never expire.