Poinz

What Poinz does

Poinz AG is a Zurich-based cashback and consumer-loyalty platform founded in 2013 that serves Swiss consumers with a multi-surface ecosystem spanning a Next.js web app (poinz.ch), native iOS/Android applications (1.2 million cumulative downloads), and Chrome and Safari browser extensions. Members register free of charge and earn automatic, real-time cashback across 1,500+ partner brands online, 1,000+ in-store partners (via Worldline One Link card-linked integration), digital gift cards, and discounted deals. The platform also offers co-branded poinz American Express and poinz Visa credit cards issued by Swisscard AECS GmbH with CHF 0 annual fees, and a B2B digital stamp-card service under the stempelkarte.ch brand for local merchants.

The underlying technology combines a Next.js frontend, Firebase-backed push and notification infrastructure, Sentry for error and session monitoring, Crisp for live chat support, and integrations with Meta Pixel, TikTok Pixel, and Google Ads for marketing measurement. A B2B Partner Cockpit (admin.poinz.ch) enables merchants to manage campaigns, while a dedicated loyalty product (stempelkarte.ch) supports local merchants with paperless digital stamp cards. The product surface has expanded materially since 2019, with credit cards (2022), a multi-brand Gift Card Shop, time-limited Deals, and a 2025 referral and Club Support program driving viral acquisition.

Poinz monetizes primarily through affiliate commissions paid by merchants when users transact through the platform, retaining a share of the commission after paying out cashback to users. Secondary revenue streams include margins on Deals and digital gift cards (mediated through PayPal or poinz balance) and co-marketing economics on the Swisscard-issued credit cards. Distribution combines B2C (app stores, SEO, paid social, browser extension, referral) and B2B channel motions (Partner Cockpit, Worldline One Link integration), with the company self-describing as the cashback market leader in Switzerland and holding consecutive Statista R/Handelszeitung/PME awards.

Name

Poinz

Legal name

Poinz AG

Website

https://poinz.ch

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Cashback & Consumer Rewards Platform

akta.pro primary industry

Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)

akta.pro secondary industries

Merchant-Integrated BNPL (Checkout POS Financing) (FSAGAIAA), Omnichannel POS Financing (Unified Online + In-Store) (FSAKAFAE)

Keywords

• Cashback platform
• Consumer rewards
• Affiliate marketing
• Digital loyalty
• Shopping coupons

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Digital Commerce or Content

Cost components

Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Affiliate / referral commissions from merchants: When users shop at partner brands through poinz, the brand pays poinz a commission, the majority of which is passed back to the user as cashback. This is poinz's primary monetization model: it is an intermediary collecting affiliate revenue and rebating a share to the user. Confirmed in Terms of Use (Sec. 4(a)): poinz may receive commissions from partners to cover costs and finance cashback.
2. Margin on deals and digital vouchers: Poinz mediates the sale of discounted deals (e.g., 2for1 menus, hotel stays) and digital gift cards. For deals poinz accepts payment on behalf of the partner and may retain a margin after paying the partner. For gift cards poinz forwards payment to the partner via a third party. Pricing is set per deal/voucher.
3. Credit card co-marketing with Swisscard: Co-branded poinz American Express and poinz Visa are issued by Swisscard AECS GmbH. While cards carry CHF 0 annual fees for users, poinz benefits from co-marketing and cardholder transaction economics with the issuer. Cardholders receive 1% (AmEx) / 0.25% (Visa) cashback.
4. Marketing / referral partnership economics: Poinz runs active promo campaigns with partners such as Visa (public viewing, NFL Berlin Game, etc.) and operates an invite-friends referral program with tiered CHF bonuses. These activities generate additional promotional and performance-based revenue.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels10 records

Core offering

Poinz AG operates a Swiss cashback platform that automatically credits consumers with cashback on purchases made at 1,500+ partner brands, online and in-store, in Switzerland and worldwide. The platform extends to discounted deals, a digital gift card shop, free-for-life co-branded poinz American Express and Visa credit cards (issued by Swisscard), a browser extension, and digital stamp-card loyalty programs for local merchants.

Differentiator

Problem solved

Functional benefit

Brands

• poinz American Express: Co-branded American Express credit card issued by Swisscard AECS GmbH in cooperation with poinz, offering 1% cashback (3% in the first 3 months, up to CHF 100) on every purchase worldwide.
• poinz Visa
• poinz Cashback Helper

Products and services

• poinz Cashback Platform Flagship consumer cashback service that automatically credits real CHF cashback to members' poinz accounts on purchases made via 1,500+ partner brands, online and in-store, in Switzerland and worldwide. Balance is transferable to a Swiss bank account or usable inside the poinz ecosystem.
• poinz Deals Time-limited discounted vouchers for restaurants, hotels, beauty, and weekend getaways, sold through the poinz Shop. Buyers earn additional cashback on top of the discounted voucher price (e.g., Fleisch Discount CHF 100 voucher sold at CHF 50 plus 1% cashback).
• poinz Gift Card Shop / Digital Vouchers Marketplace of digital gift cards from brands including Zalando (7% cashback), IKEA (4%), Apple (1%), Manor (3%), MediaMarkt, Deezer (6%), and others. Buyers receive activation codes and earn up to 10% cashback on the voucher purchase.
• poinz American Express Co-branded credit card issued by Swisscard AECS GmbH in partnership with poinz, offering 1% cashback on every purchase worldwide (3% in the first 3 months, capped at CHF 100). CHF 0 annual fee for life; worldwide acceptance; recognized by moneyland.ch and Statista R/Handelszeitung/PME as the best credit card in Switzerland.
• poinz Visa Companion co-branded Visa credit card issued by Swisscard AECS GmbH in partnership with poinz, offering 0.25% cashback on every purchase worldwide with CHF 0 annual fee. Issued together with poinz American Express as a card duo.
• poinz Cashback Helper (browser extension) Browser extension available on Chrome Web Store and Safari App Store that automatically detects visits to 400+ partner online stores, prompts users to activate cashback before purchase, and credits cashback to their poinz account.
• poinz Mobile App (iOS & Android) Native iOS (App Store) and Android (Google Play) applications delivering in-store cashback activation, digital stamp cards, push notifications, the full poinz Shop (cashback, deals, gift cards), and account/balance management. Over 1.2 million cumulative downloads.
• stempelkarte.ch (B2B Digital Loyalty Cards) B2B digital stamp-card and loyalty-card product under the stempelkarte.ch brand. Local businesses digitize paper loyalty cards, drive repeat visits, run push-notification campaigns, and integrate with the poinz ecosystem; used by 1,000+ partner stores including Coffee and Plants (Sihlcity Zurich).

Quantifiable outcome

• Over CHF 2,000,000 in cashback earned by users
• +5 more outcomes

Named customers34 records

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature4 records

Partnerships

20 partnerships are on record, tiered flagship, core and minor.

• Swisscard AECS GmbHflagshipStrategic or Co-development PartnerSwisscard AECS GmbH issues the poinz American Express and poinz Visa credit cards. The cards are marketed jointly and bear 'Issued by SwissCard' branding. Cashback rates are defined by poinz and the poinz Program rules, with the credit-card relationship governed by Swisscard's separate terms.
• VisacoreGTM or Marketing PartnerVisa co-markets with poinz on promotional campaigns, including a public viewing event for Switzerland vs. Qatar (Urbansurf Zurich, June 13) and a 2025 NFL Berlin Game ticket giveaway. Campaigns drive credit card sign-ups and cashback engagement.
• MIGROScoreGTM or Marketing PartnerMIGROS provides a CHF 100 voucher as the welcome gift for new poinz credit card applicants (campaign active until 31.8.2026) and is featured in poinz marketing.
• Worldline (One Link service)coreTechnology or IntegrationWorldline One Link underpins the in-store poinz Program: certain merchants ('poinz Partners') join via this service, enabling card-linked in-store cashback at the point of sale.
• Worldline (payment-method integration)coreTechnology or IntegrationUsers activate credit/debit cards and TWINT as their preferred payment methods to earn in-store cashback via poinz Partners; payment-method activation and transaction matching is enabled through the Worldline One Link integration.
• CrispcoreTechnology or IntegrationCrisp powers the live chat widget and in-app customer support across poinz.ch and the mobile app, with FAQ hosted at poinz.crisp.help.
• Google (Analytics, Ads, reCAPTCHA, Firebase)coreTechnology or IntegrationGoogle Analytics 4, Google Ads (DoubleClick), Google reCAPTCHA, Google Firebase (heartbeat, installations, app check, push notifications) are integrated on poinz.ch and the mobile app for analytics, advertising measurement, spam protection, and push infrastructure.
• Meta Platforms (Facebook/Instagram)coreGTM or Marketing PartnerMeta Pixel and Facebook login are integrated on poinz.ch for advertising measurement, retargeting, and social sign-up. _fbp cookie and lastExternalReferrier signals are used.
• TikTokcoreGTM or Marketing PartnerTikTok Pixel and tracking cookies (_ttp, ttcsid, _tt_enable_cookie) are integrated for advertising and analytics; poinz also maintains a brand TikTok channel @poinz_.
• GetYourGuidecoreChannel Partner/ Reseller/ DistributorGetYourGuide is a flagship online cashback partner with 3-10% cashback, featured across the shop and a digital gift card SKU; poinz drives bookings via affiliate links.
• ZalandocoreChannel Partner/ Reseller/ DistributorZalando is a digital gift card partner (CHF 5-150 denominations) with 7% cashback, prominently featured in welcome-gift promotions tied to poinz credit card sign-up.
• IKEAcoreChannel Partner/ Reseller/ DistributorIKEA digital gift card partner (CHF 10-1500) with 4% cashback via the poinz Gift Card Shop.
• ApplecoreChannel Partner/ Reseller/ DistributorApple Gift Card is a digital gift card partner in the poinz Gift Card Shop with 1% cashback.
• AutoScout24coreChannel Partner/ Reseller/ DistributorAutoScout24 online cashback partner with 20-35% cashback on listings; featured on poinz credit card page.
• SunrisecoreChannel Partner/ Reseller/ DistributorSunrise (telecoms) is an online cashback partner with CHF 60/100 cashback promos.
• Emma MatratzencoreChannel Partner/ Reseller/ DistributorEmma Matratzen is a featured online cashback partner with up to 50% cashback promotion.
• Worldline (TWINT integration)coreTechnology or IntegrationTWINT is offered alongside credit/debit cards as a payment method users activate to earn in-store cashback at poinz Partners.
• Coffee and PlantsminorStrategic or Co-development PartnerCoffee and Plants café bar in Sihlcity Zurich is a featured poinz digital loyalty card (stempelkarte.ch) success story, encouraging regular customers to collect stamps digitally.
• PayPalcoreTechnology or IntegrationPayPal is one of the accepted payment methods for deals and digital gift cards on poinz, with PayPal's own terms and data protection applying.
• LinkedInminorGTM or Marketing PartnerLinkedIn hosts the official Poinz company page (ch.linkedin.com/company/poinz) used for brand presence, talent acquisition, and corporate communications.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Rakuten: Rakuten is the global category leader in cashback and affiliate shopping, offering a multi-country cashback platform, browser extension, and shopping rewards. It is comparable to Poinz in core cashback model and merchant coverage, but operates at vastly larger global scale.
• Cembra Money Bank: Cembra is a major Swiss consumer finance and credit card issuer. Comparable as a broad incumbent in Swiss card/payment rewards and a potential competitor or distribution partner for cashback card products.
• RetailMeNot: RetailMeNot is a US-listed digital coupon and cashback platform. Comparable to Poinz on affiliate/coupon-driven savings, browser and app delivery, and merchant-network business model, though at much larger US-centric scale.
• Capital One Shopping (formerly Wikibuy): Capital One Shopping is a US browser extension and app offering price comparison, coupons, and cashback at online merchants. Comparable to Poinz on the browser-extension-based online cashback experience and merchant-affiliate model.

Direct peers

• TopCashback: TopCashback is a UK-founded global cashback platform with multi-country sites, browser extension, and affiliate-driven merchant network. Directly comparable to Poinz on product (cashback), model (affiliate commission spread), and user experience (browser extension + app).
• myWorld (mWS myWorld Solutions): myWorld is a European cashback and shopping community operating the 'myWorld' / 'Cashback World' program across DACH and beyond. It is a direct competitor in European cashback and shares Poinz's affiliate-based model with merchant partners.
• LetyShops: LetyShops is a European cashback platform with strong presence in DACH and CIS markets, operating affiliate-driven online cashback with browser extension. Direct product overlap with Poinz on online cashback and browser-based activation.
• Swype (Swiss cashback app): Swype is a Swiss mobile cashback and gift card app, directly competing with Poinz in the Swiss consumer market. Overlapping target user (Swiss consumers) and product (online + in-store cashback, gift cards).

Regional players

• iGraal: iGraal is a French cashback platform with DACH presence, offering cashback at online merchants and browser-based activation. It is a regional peer in continental Europe with overlapping merchant coverage and cashback economics.

Others

• Worldline: Worldline is a European payment processor and the technology partner behind Poinz's in-store card-linked cashback via 'Worldline One Link'. Included as a strategic infrastructure/partner rather than a competitor, but adjacent in enabling card-linked offers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/poinzapp
• Facebookfacebook.com/poinzapp
• LinkedInlinkedin.com/company/poinz-gmbh

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Poinz