CY.SEND Online top up

What CY.SEND Online top up does

CY.SEND Online top up, operated by CY.TALK SWITZERLAND S.A., is a Geneva-based digital rewards platform founded in 1985 that operates across 253 countries. The company's core products are digital gift cards (65,000+ options across 12,000+ brands, available in denominations from €0 to €5,000) and instant mobile top-ups connecting to 421 mobile operators globally. Its proprietary platform processes over 10 million transactions per day with sub-150ms average API response time, 99.97% success rate, and 99.999% uptime SLA, backed by a private Tier 3 data center in Switzerland and ISO 9001, ISO 27001, and PCI DSS Level 1 certifications.

The technology stack is 100% in-house developed since 2004, built around a RESTful API (v6.0) with OAuth 2.0 authentication, SDKs in 5+ programming languages, and patent-pending optimization algorithms for intelligent routing. Distribution occurs through four channels: a self-serve e-commerce storefront (cysend.com), API integration for enterprise and developer clients, a reseller network (API and bulk), and white-label/OEM deployments enabling financial institutions, HR tech platforms, and loyalty providers to offer branded digital rewards platforms.

CY.SEND monetizes through transactional margins on digital product sales, tiered white-label pricing (5-15% revenue share, $50K+ annual licensing, or custom enterprise contracts), API/subscription access for developers, and the Cashback Club premium membership offering 10X loyalty (SND) points. The customer base spans individual consumers, Fortune 500 enterprises (banking, energy, telecom), mobile network operators, digital product resellers, white-label partners (e.g., SwissRewards Bank, Talent Rewards HR), and research/survey companies with integrations to SurveyMonkey, Qualtrics, Google Forms, and Typeform.

Name

CY.SEND Online top up

Legal name

CY.TALK SWITZERLAND S.A.

Website

https://cysend.com

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

CY.SEND is a Geneva-based digital rewards platform (est. 1985) offering 65,000+ gift cards and instant mobile top-ups across 253 countries via RESTful API, serving individual consumers, Fortune 500 enterprises, MNOs, and white-label partners through transactional margins, licensing, and API subscriptions.

Ownership category

akta.pro rank

Product category

Digital Rewards & Mobile Top-Up E-Commerce

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182)

SIC

Retail-Catalog & Mail-Order Houses (5961), Services-Prepackaged Software (7372)

akta.pro primary industry

Gift Card Processing, Issuance Platforms & Aggregators (FSAMANAL)

akta.pro secondary industries

Digital Goods & Gift Card Generalist Marketplaces (CRAFAAAJ), Corporate & Incentive / Reward Prepaid Programs (FSAMANAD), Prepaid Card Program Managers & Issuers (BIN Sponsors) (FSAMANAK), Card Issuing & Program Management Platforms (BPAMAFAH)

Keywords

• Digital gift cards
• Mobile top-up services
• White label rewards platform
• Employee recognition solutions
• API rewards integration

Headquarters

HQ city

Geneva

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Transaction Fees / Product Sales: Revenue generated from the margin/spread on digital gift card sales, mobile top-ups, and other digital products sold through the platform. Users purchase products at listed prices, with CY.SEND earning the difference between wholesale and retail pricing.
2. White Label Licensing: Three pricing models for white-label solutions: (1) Revenue sharing at 5-15% of transaction value with no upfront costs, (2) Annual licensing fee of $50K+ plus 2-5% per transaction, (3) Custom enterprise solutions with dedicated infrastructure. Includes full platform access, API, support, and custom branding.
3. API Integration / Developer Access: Revenue from businesses integrating via the RESTful API (v6.0) to access the full 65,000+ product catalog. SDKs available in 5+ programming languages with comprehensive documentation.
4. Cashback Club Membership: Cashback Club premium membership program where members earn 10X more SND loyalty points (standard users earn 250 SND per 10 EUR; members earn 2,500 SND per 10 EUR). SND points provide purchasing power for rewards.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels7 records

Core offering

CY.SEND operates a digital rewards e-commerce and API platform that delivers 65,000+ digital gift cards from 12,000+ brands and instant mobile top-ups across 421 operators in 253 countries, both to individual consumers via its storefront and to enterprises via OpenAPI, white-label, and reseller channels. The platform's core transactional product is the CY.SEND Gift Card, which is redeemable for any product in the catalog, paired with the proprietary SND loyalty currency and the Cashback Club premium membership. Enterprise-facing offerings include employee recognition, sales incentives, customer loyalty, partner incentives, and survey/research reward platforms, all powered by the same underlying RESTful API (v6.0) and transaction engine.

Product overview

CY.SEND operates a digital rewards platform with multiple interconnected products: its core offerings are Digital Gift Cards and Mobile Top-Up services, complemented by the SND Rewards loyalty currency system (with Cashback Club premium membership). For enterprise clients, the company offers White Label Gift Card Platform for branded deployments, Employee Recognition and Sales Incentives platforms, Survey & Research Rewards with survey tool integrations, and Top-Up Compliance System for physical retail. The CY.SEND OpenAPI enables programmatic access to 65,000+ digital products for developer and reseller integration. The platform is powered by a proprietary RESTful API (v6.0) and positions itself as the underlying technology infrastructure for white-label digital rewards solutions.

Differentiator

Problem solved

Functional benefit

Brands

• CY.SEND Gift Card: The company's flagship digital gift card product available in amounts from 0 EUR to 5,000 EUR, redeemable for 65,000+ brands or mobile top-ups worldwide.
• SND Rewards
• Cashback Club

Products and services

• Digital Gift Cards Digital gift cards from 65,000+ popular brands (including Amazon, Apple, Netflix, Spotify, Uber, Starbucks) with instant digital delivery worldwide via email or SMS. Available in amounts from 0 EUR to 5,000 EUR and redeemable for any product on CY.SEND or mobile top-ups. Targeted at individual consumers, gift givers, and businesses seeking global reward options.
• Mobile Top-Up

Quantifiable outcome

• 83.58% of products delivered in real-time via API directly to end recipients worldwide in seconds
• +9 more outcomes

Named customers13 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration13 records

AI capability3 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and flagship.

• 1,000+ Active API Connections (Vendors, Operators, Issuers)coreTechnology or Integration · 1 January 2023CY.SEND maintains direct API connections with 1,000+ vendors, mobile operators, gift card issuers, bill payment providers, and digital content platforms worldwide. This includes direct relationships with mobile operators, banks, gift card issuers, governments, travel agencies, educational institutions, insurance companies, and utility providers.
• Retail Networks and DistributorscoreChannel Partner/ Reseller/ DistributorDistribution through millions of brick-and-mortar shops across EU, USA, LATAM, India, and CIS countries. Includes retail networks, banks, ATM networks, mobile apps, websites, advertisers, and marketers.
• SwissRewards BankflagshipOEM/ Whitelabel/ Licensing PartnerWhite label success story: SwissRewards Bank launched their own digital rewards platform in 3 months, achieving 340% customer engagement increase and becoming the leading digital rewards bank in Switzerland.
• Talent Rewards HRflagshipOEM/ Whitelabel/ Licensing PartnerWhite label success story: HR technology company added rewards to their platform without development, achieving 180% increase in average contract value with 95% client satisfaction.

Scale indicators19 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Tango Card (Blackhawk): A digital rewards and gift card platform for businesses, offering a global catalog and API-driven bulk rewards distribution. Now part of Blackhawk Network, it competes head-to-head with CY.SEND's white-label and enterprise API offerings.
• Ding: International mobile top-up platform connecting diaspora senders to prepaid mobile users across 150+ countries. Most directly comparable peer to CY.SEND's mobile top-up product and 253-country coverage.
• TransferTo: Cross-border mobile top-up and digital value transfer network serving mobile operators, money transfer operators, and digital service providers. Overlapping operator network and B2B API distribution model.
• Giftbit: Digital gift card delivery platform focused on businesses for employee rewards, customer incentives, and referral programs. Similar in API-first architecture and SMB-to-enterprise use cases.
• Blackhawk Network: One of the largest gift card and payment networks globally, providing digital and physical gift card distribution, B2B rewards platforms (including Tango Card), and branded payments. Directly comparable in catalog breadth, enterprise rewards, and white-label capabilities.
• InComm Payments: Major prepaid and gift card product company providing payment technology, card issuing, and digital gift card solutions. Comparable in catalog scope and enterprise B2B distribution.
• Rybbon: Digital gift card reward platform purpose-built for market research and survey incentives, with direct integrations to survey platforms. Directly comparable to CY.SEND's Survey & Research Rewards module.
• Tremendous: Digital gifting and rewards platform serving enterprise customers with a global gift card catalog and payout APIs. Directly comparable in API-first rewards distribution and survey/market research incentive use cases.

Emerging players

• Reward Gateway: Employee engagement and rewards platform offering recognition, benefits, and reward card services to mid-market and enterprise customers. Comparable on the employee recognition use case but with a more HR-software-led product strategy.
• Xoxoday: Digital rewards and incentives platform with a global gift card catalog, employee engagement, and channel partner incentive solutions. Comparable product breadth, particularly in employee and sales incentive use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Online_top_up
• Facebookfacebook.com/cysend
• LinkedInlinkedin.com/company/cysend-rewards-loyalty
• Instagraminstagram.com/cy.send

Compliance7 records

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 CY.SEND Online top up