Payce

What Payce does

Payce is a US-only consumer fintech operating a free cash-back rewards platform distributed through paycepays.com, a Chrome browser extension, and iOS and Android mobile apps. Founded in 2016 and headquartered in Blue Ash (Cincinnati metro), Ohio, the company is structured as Payce, LLC and employs 11–50 people. Its core product, Payce Rewards, enables US consumers to earn cash back at over 10,000 online merchants using a combination of affiliate link tracking and card-linked offers integrated with the Visa, Mastercard, and American Express networks through third-party infrastructure providers ValueDynamx, Inc. and Wildfire Systems, Inc. The platform supports multiple payout destinations once a member's balance reaches $10 — debt payments, Venmo, PayPal, bank accounts, or charitable donations — which is its primary point of differentiation against conventional points-based rewards programs.

The business model is a classic cash-back affiliate model: revenue is generated by sharing commissions earned from merchants with users as cash back; the company captures the spread between merchant commissions and user payouts, and the service is free to consumers with no membership fees. Go-to-market is product-led growth via self-serve sign-up (including Facebook, Google, and X/Twitter social login), distribution through the Chrome Web Store and mobile app stores, and a referral program that awards existing members 25% of referred members' first-month earnings. The merchant portfolio spans large US retail and travel brands (e.g., Walmart, Nike, Home Depot, Marriott, Booking.com, DoorDash, Sephora), and the company describes itself as backed by an unnamed "industry leader." No public financials, funding rounds, or cap table details are disclosed in the source data.

Name

Payce

Legal name

Payce, LLC

Website

https://paycepays.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Payce is a US consumer fintech operating a free cash-back rewards platform (web, Chrome extension, and iOS/Android apps) that lets shoppers earn rewards at 10,000+ merchants and direct payouts to debt, Venmo, PayPal, bank accounts, or charity. It monetizes via affiliate and card-linked commissions processed through the Visa, Mastercard, and AmEx networks.

Ownership category

akta.pro rank

Product category

Cash-Back Rewards Platform

akta.pro primary industry

Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

akta.pro secondary industries

In-App / Online Checkout Wallets (FSAMAEAH), Digital Payments & Money Movement (ACH/SEPA/FPS, Bill Pay, P2P) (FSAGAAAF)

Keywords

• Cash-back rewards
• Affiliate marketing
• Browser extension deals
• Card-linked offers
• Online shopping rewards

Headquarters

HQ city

Cincinnati

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

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

Revenue model

1. Affiliate Commission Revenue: Payce earns commissions from merchants when users make qualified purchases through affiliate links or card-linked transactions. The company shares a portion of these commissions with users as cash-back rewards. Commission rates vary by merchant and are subject to change.
2. Third-Party Service Provider Partnerships: Payce works with third-party service providers including ValueDynamx, Inc. and Wildfire Systems, Inc. to operate the rewards program, generating revenue through affiliate network relationships.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Payce operates a consumer cash-back rewards platform that helps users earn cash back when shopping at over 10,000 online merchants. Users sign up via the website or mobile app, shop through affiliate links or link their debit/credit cards, and receive automatic payouts to debt, Venmo, PayPal, bank accounts, or charities once balances reach $10. The platform is delivered through a website, Chrome browser extension, and iOS/Android mobile applications.

Product overview

Payce offers a unified cash-back rewards platform consisting of the core Payce Rewards website/platform, the Payce Shopping Extension (Chrome browser add-on), and the Payce Mobile App (iOS/Android). The platform enables users to earn cash-back at over 10,000 online merchants and automatically applies rewards to debt, Venmo, PayPal, bank accounts, or charities when the balance reaches $10. The Payce Referral Program provides additional earning opportunities through friend referrals. Users can access the platform via the website, install the browser extension for automatic reward discovery, or use the mobile app for on-the-go earning.

Differentiator

Problem solved

Functional benefit

Products and services

• Payce Rewards A consumer cash-back rewards platform enabling US shoppers to earn rewards at over 10,000 online merchants, with automatic monthly payouts when balances reach $10 to debt, Venmo, PayPal, bank accounts, or charities. Targeted at individual consumers who shop online and want to direct rewards toward financial goals such as debt reduction.
• Payce Shopping Extension

Quantifiable outcome

• $7 million in purchases converted to debt reduction or cash-back rewards for users

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• ValueDynamx, Inc.coreTechnology or IntegrationThird-party service provider enabling Payce to provide the card-linked rewards program, particularly for Visa and Mastercard cardholders. ValueDynamx processes transaction data to identify qualifying purchases and determine reward eligibility.
• Wildfire Systems, Inc.coreTechnology or IntegrationThird-party service provider that enables Payce to provide the Program. Wildfire Systems provides technology infrastructure for the rewards network.
• VisacoreTechnology or IntegrationPayment card network that enables card-linked transaction monitoring for Payce users with Visa-branded credit or debit cards to identify qualifying purchases.
• MastercardcoreTechnology or IntegrationPayment card network that enables card-linked transaction monitoring for Payce users with Mastercard-branded credit or debit cards to identify qualifying purchases.
• American ExpresscoreTechnology or IntegrationPayment card network that enables card-linked transaction monitoring for Payce users with American Express-branded credit or debit cards to identify qualifying purchases.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Rakuten: The largest US cash-back rewards platform, paying users a percentage of purchases made through its affiliate links and in-store offers. Directly comparable to Payce on the core cash-back affiliate model, with a far larger user base and brand recognition.
• Honey (PayPal): Browser-extension and app that finds coupons and cash-back offers at checkout. Operates the same affiliate-link and browser-extension mechanics as Payce, now backed by PayPal's distribution and capital.
• Ibotta: Cash-back rewards app primarily for grocery and in-store purchases, with a growing online offering. Comparable to Payce on the consumer cash-back rewards model, though Ibotta leans more on receipts and in-store activation.
• Capital One Shopping: Free browser extension and app (formerly Wikibuy) that compares prices, applies coupons, and offers cash-back rewards. Closely mirrors Payce's browser-extension + cash-back model with the added firepower of Capital One.
• Dosh: Card-linked cash-back app that automatically rewards users when they shop at participating merchants using linked cards. Highly comparable to Payce's card-linking infrastructure, with similar passive cash-back mechanics.
• Coupons.com: Digital coupon and cash-back platform owned by Quotient Technology, offering printable, digital, and card-linked offers. Highly comparable to Payce on the digital-coupon-and-cash-back mechanics for online and in-store shopping.
• RetailMeNot: Coupon and cash-back discovery platform with a strong US consumer brand. Comparable to Payce on coupon-application at checkout and cash-back affiliate flows, with a much larger traffic base.
• Swagbucks: Rewards platform that pays users for shopping, surveys, and online activities. Overlaps with Payce on the cash-back-for-online-shopping use case and the persona of reward-seeking digital-first consumers.
• TopCashback: Cash-back affiliate platform offering higher payout percentages than competitors by passing more commission to users. Directly competes with Payce for the same US online-shopper persona and merchant relationships.

Broad incumbents

• Cardlytics: Card-linked offer platform that partners with banks to deliver cash-back offers directly through bank apps. Operates the same card-linked data infrastructure that Payce accesses via ValueDynamx, but at a far larger B2B2C scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xx.com/PaycePays
• Facebookfacebook.com/paycepays
• LinkedInlinkedin.com/company/payce
• Instagraminstagram.com/paycepays

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Payce