Pay with Points for Banks & Credit Unions

Enable cardholders to use their rewards where it matters most — at the point of purchase.

Velocity’s Pay with Points platform allows banks and credit unions to turn everyday transactions into high-value engagement moments by letting customers redeem credit card points instantly at participating merchants. By integrating seamlessly with existing card loyalty programs, financial institutions can increase usage, satisfaction, and long-term retention.

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Product Overview

Turn Reward Points into Real Spending Power

Pay with Points connects bank rewards programs directly to real-world purchases. Cardholders can use credit card and debit card reward points during checkout, making it easier than ever to understand how to use credit card points without friction. This creates a powerful bank loyalty program that drives higher card usage and deeper emotional connection with your brand.

Program Management

Configure redemption logic across categories, merchants, or transaction types.

Points are validated and redeemed instantly at the point of sale.

Works with partners and does not disrupt existing reward card program benefits.

Monitor redemption behavior, balances, and performance in one system.

Cardholder Engagement

Customers see and use points in real time — no portals or delayed credits.

Educate users on the best way to use credit card points at checkout.

Encourages customers to choose your card over competitors.

Transforms rewards from abstract balances into meaningful savings.

Consumer Experience

Redemptions happen automatically during eligible purchases.

Cardholders choose to apply points while paying.

Immediate Savings
Points offset transaction value instantly.

Receipts and messages clearly show how credit card rewards were used

Bank & Credit Union Enablement

More frequent usage driven by practical rewards.

Demonstrates real benefits of reward points in credit cards.

Encourages redemption instead of unused points.

Analyze how customers are using credit card rewards across categories.

Why Banks & Credit Unions Choose Pay with Points

Pay with Points strengthens bank loyalty programs by making rewards simple, visible, and valuable. Instead of asking customers to figure out how to get credit card points or navigate complex portals, banks deliver a frictionless experience that rewards everyday spending and builds lasting trust.

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How It Works

Identify
Eligible transactions and available reward points are recognised in real time.
‍Redeem
Cardholders choose to use credit card reward points at checkout.
‍Deliver
Points are applied instantly, reinforcing the value of using credit card rewards.

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The Results.

Banks and credit unions using Pay with Points see higher card activation, increased transaction frequency, and stronger engagement across reward card programs — turning loyalty from a promise into a daily experience.

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Pay with Points for Banks & Credit Unions

Turn Reward Points into Real Spending Power

Program Management

Cardholder Engagement

Consumer Experience

Bank & Credit Union Enablement

Why Banks & Credit Unions Choose Pay with Points

How It Works

The Results.

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