Cashpoints

What Cashpoints does

Cashpoints is a New Zealand-based coalition loyalty programme operated by Cashpoints New Zealand Limited from Auckland. Founded in 2024 as a privately held company with 1-10 employees, it operates a free-to-consumer rewards currency in which 1 Cashpoint equals 1 cent, with no minimum balance requirement and instant redemption at point of sale. The programme aggregates a coalition of more than 200 retail partner locations spanning liquor retail (Super Liquor, 196 locations), quick-service restaurants (Pita Pit, 64 locations), vehicle hire (Hireace, Abell Rentals, Trip Rental Cars, Bargain Rental Cars), online travel (Mix & Match), home improvement (Tile Space), pet supplies (Pet Depot), finance (VOOMA), and furniture (Bob & Friends).

The core technology stack consists of iOS and Android mobile applications with real-time balance tracking, digital card wallet functionality, and QR code scanning, supported by both online account registration (my.cashpoints.co.nz) and physical card distribution at partner locations. A Group Account feature enables linked accounts to pool balances. In October 2025, Cashpoints launched a dedicated Shopify App integration enabling eCommerce merchants to issue and redeem Cashpoints in real time, extending the platform beyond physical retail. No proprietary AI/ML capabilities, patents, or research assets are disclosed.

The business model is transaction-fee based: consumers join and use the programme free of charge, while Cashpoints charges partner retailers fees when customers collect or redeem points, with fees scaled to the size of the retailer's business. The go-to-market combines product-led growth on the consumer side (free app download, self-serve registration, instant rewards) with channel partner acquisition on the B2B side (partner enquiry forms, direct sales outreach, and the Shopify App Marketplace). The company markets the programme to retailers as a margin-protecting alternative to deep discounting. Geographic operations are restricted to New Zealand, and the firm is led by founder Ian Sutcliffe with Jordan Tran as General Manager of Marketing and Partnerships.

Name

Cashpoints

Legal name

Cashpoints New Zealand Limited

Website

https://cashpoints.co.nz

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Cashpoints is a New Zealand coalition loyalty programme that lets consumers collect and instantly spend cents-based rewards at 200+ partner retail locations, funded by transaction fees paid by partner retailers. Founded in 2024 and headquartered in Auckland.

Ownership category

akta.pro rank

Product category

Customer Loyalty Platform

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

akta.pro primary industry

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

akta.pro secondary industry

Loyalty, Points Currency & Stored Value Payments (THALAHAK)

Keywords

• Coalition loyalty programme
• Retail rewards platform
• Mobile loyalty app
• Shopify loyalty integration
• Customer retention programme

Headquarters

HQ city

Auckland

HQ country

New Zealand

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction-based loyalty fees: Cashpoints earns revenue by charging partner retailers for processing loyalty transactions. When customers collect or spend points, Cashpoints charges the retailer a fee. The company markets this to partners as a cost-effective alternative to deep discounting that helps protect margins.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

Cashpoints operates a multi-partner coalition loyalty programme across 200+ New Zealand retail locations. Members collect Cashpoints (1 point = 1 cent) when shopping with participating retailers and instantly redeem them as a payment reduction with no minimum balance or waiting period. The programme is delivered through a mobile app, digital/physical cards, online accounts, and a Shopify integration for eCommerce merchants.

Product overview

Cashpoints is a New Zealand-based coalition loyalty programme offering a unified rewards platform with two primary products: the Cashpoints Loyalty Programme (core) and the Cashpoints Mobile App. The programme operates across 200+ retail partner locations, allowing members to collect Cashpoints (where 1 Cashpoint = 1 cent) when shopping and instantly redeem them to reduce purchase costs without thresholds or waiting periods. Members access the programme via physical cards, digital cards in the app, or online accounts. The Group Account feature enables pooled rewards among linked accounts. The recently launched Shopify App extends the platform to eCommerce merchants, enabling online issuance and redemption of Cashpoints.

Differentiator

Problem solved

Functional benefit

Products and services

• Cashpoints Loyalty Programme Multi-partner coalition loyalty programme across 200+ New Zealand retail locations, allowing members to collect Cashpoints (1 point = 1 cent) when shopping with partners and instantly redeem them as payment reduction on purchases with no thresholds or waiting periods.
• Cashpoints Mobile App iOS and Android mobile application that lets members track Cashpoints balance in real time, scan digital cards at checkout, browse exclusive offers, and receive push notifications for promotions.
• Cashpoints Card (Physical and Virtual) Physical and virtual card membership option allowing members to collect and spend Cashpoints by swiping the physical card at partner locations or scanning the digital card via the mobile app.
• Cashpoints Shopify App Dedicated Shopify app integration enabling Shopify eCommerce merchants to issue and redeem Cashpoints in real time for online transactions.

Quantifiable outcome

• No waiting period - spend Cashpoints instantly on next purchase
• +2 more outcomes

Named customers11 records

Segments1 record

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature4 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Super LiquorcoreChannel Partner/ Reseller/ DistributorNZ's largest liquor store network with 196 locations. Super Liquor is a flagship partner where customers can both collect and spend Cashpoints on wines, beers, and spirits purchases. Customers must be 18+ to shop. Points earned on $1 spent = 1 Cashpoint.
• Pita PitcoreChannel Partner/ Reseller/ DistributorQuick-service restaurant chain with 64 locations across New Zealand serving fresh pitas, EGG'D breakfast items, and BOWL'D rice bowls. Customers can collect and spend Cashpoints across all brands. Excludes third-party delivery platforms (Uber Eats, DoorDash, Delivereasy).
• Mix & MatchcoreChannel Partner/ Reseller/ DistributorOnline travel agent enabling customers to compare and book flights across NZ and worldwide. Customers can collect Cashpoints on total flight booking value (up to 10,000 per booking) and spend on flight bookings. Excludes accommodation, tours, activities, and insurance.
• HireacecoreChannel Partner/ Reseller/ DistributorCommercial vehicle hire specialist with 24 branches nationwide offering trucks, vans, trailers, minibuses and utes. Over 25 years of service. Customers collect and spend Cashpoints on vehicle hire. Points processed when hire is concluded and paid in full.
• Tile SpacecoreChannel Partner/ Reseller/ DistributorTile and home decor retailer with 12 locations across New Zealand. Customers can collect and spend Cashpoints on purchases at Tile Space branches. Features Italian stone looks, contemporary mosaics, and curated design collections.
• Pet DepotminorChannel Partner/ Reseller/ DistributorOnline pet supplies store specialising in cat and dog food and flea treatments. Free nationwide delivery on orders $75 and over. Customers collect Cashpoints on total order value (before freight charges).
• VOOMAminorChannel Partner/ Reseller/ DistributorBoutique nationwide finance and insurance brokerage. Collect 10,000 Cashpoints on Personal Loans or Vehicle Finance of $5,000+; 5,000 points on finance between $2,000-$4,999; 2,000 points on Comprehensive Vehicle Insurance (annual premium $500+).
• Bob & FriendsminorChannel Partner/ Reseller/ DistributorOne of Auckland's most colourful furniture and design stores, stocking modern European pieces alongside hand-picked NZ Designs. Single location at 253 Ponsonby Road, Auckland. Customers collect and spend Cashpoints on furniture purchases.
• Abell RentalsminorChannel Partner/ Reseller/ Distributor100% NZ-owned vehicle hire company with over 30 years of experience offering truck, van, ute, trailer and minibus hire. Multiple nationwide locations. Customers collect and spend Cashpoints on vehicle hire transactions.
• Trip Rental CarsminorChannel Partner/ Reseller/ DistributorEveryday low price vehicle hire company with locations in Auckland, Christchurch, Hamilton, Tauranga, Queenstown and Wellington. Customers collect and spend Cashpoints on vehicle hire. Points processed when hire is concluded and paid in full.
• Bargain Rental CarsminorChannel Partner/ Reseller/ Distributor100% Kiwi-owned vehicle hire company with nationwide branches. Customers collect and spend Cashpoints on vehicle hire. Points processed when hire is concluded and paid in full. Available at Auckland, Christchurch, Hamilton, Queenstown, Tauranga, and Wellington locations.
• ShopifycoreTechnology or IntegrationTechnology integration partnership enabling Shopify eCommerce merchants to integrate Cashpoints into their online stores via the dedicated Cashpoints-Shopify App. Allows real-time point issuance and redemption for online purchases. Setup is described as simple and straightforward.

Scale indicators5 records

Recent moves1 record

Expansion highlights4 records

Direct peers

• LoyaltyLion: LoyaltyLion is a SaaS loyalty platform purpose-built for Shopify merchants, offering points issuance, redemption, and VIP tiers. It is the closest direct competitor to the Cashpoints Shopify App on the merchant-software side.
• Kangaroo Rewards: Kangaroo Rewards is a coalition-style retail loyalty platform used by independent grocers and retailers in North America and other markets. It is comparable as a multi-merchant, shared-currency loyalty network rather than a single-retailer programme.
• AA Smartfuel: AA Smartfuel is a New Zealand cross-retailer rewards programme that lets members accumulate fuel discounts at partnered retailers. Like Cashpoints, it is a coalition-style programme that distributes a single currency (cents per litre) across multiple non-competing retail partners.
• Flybuys (Loyalty New Zealand): Flybuys is the largest coalition loyalty programme in New Zealand, allowing members to collect and redeem points across supermarkets, fuel, and retail partners. It is the most direct comparison point to Cashpoints as a multi-vertical, multi-retailer coalition with a points-currency model.
• Smile.io: Smile.io is a leading Shopify-focused loyalty and rewards platform serving tens of thousands of e-commerce merchants. It is a direct peer on the technology and merchant-acquisition side of the Cashpoints Shopify App business.

Emerging players

• Yotpo: Yotpo is an e-commerce marketing platform that includes a loyalty module alongside reviews, SMS, and subscriptions. It is a partial peer on the merchant-software stack and competes for the same Shopify merchant wallet as Cashpoints' app.
• Punchcard: Punchcard was a mobile-first, multi-merchant loyalty app that pooled points across small retailers in a single city/region. It is a comparable coalition model targeting small and mid-market retailers, similar in form factor to Cashpoints' consumer app.

Broad incumbents

• Square Loyalty (Block): Square Loyalty is an embedded loyalty feature within Block's POS and payments stack, used by SMB retailers. It is a broad-incumbent peer on the merchant-facing loyalty software side, though integrated into a wider commerce platform rather than a standalone coalition.
• Stocard (Klarna): Stocard, now part of Klarna, is a mobile wallet that aggregates loyalty cards and enables offers across thousands of retailers globally. It is comparable to Cashpoints as a consumer-facing mobile wallet for cross-retailer rewards, though at much greater scale.
• Airpoints (Air New Zealand): Airpoints is Air New Zealand's loyalty programme and one of the most established NZ points schemes, with a broad partner acceptance network. It is a comparator on currency design, member behaviour, and partner economics, though it is airline-anchored rather than retail-anchored.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cashpoints

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Cashpoints