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What is Spraed

Spraed is a loyalty and private payment platform built for businesses of any size. It gives you the tools to launch, manage, and grow a loyalty program — without the complexity and cost that have historically made this kind of initiative accessible only to large enterprises.

The problem Spraed solves​

Running a loyalty program traditionally means investing in dedicated infrastructure, third-party integrations, and ongoing operational resources. For small and medium businesses, that investment rarely makes sense. The result: loyalty has been a competitive advantage reserved for big brands.

Spraed changes this. A single independent retailer and a multi-brand coalition network can both run a fully operational loyalty program on the same platform, with the same tools.

What you can do with Spraed​

With Spraed you can:

  • Launch a loyalty program based on cashback, points, or stamps — and configure it to match your business model
  • Onboard members instantly: customers scan a QR code in your store, download the Spraed app, and join your program in seconds
  • Process transactions from any smartphone — no dedicated hardware required
  • Manage merchants if you run a coalition program, including commission setup and financial settlement
  • Run promotions and campaigns to drive engagement and reward specific behaviors
  • Monitor performance through a real-time dashboard showing active members, transaction history, and your current loyalty liability
  • Integrate at depth via API if you need to connect Spraed to your existing POS or back-office systems

How the platform is structured​

Spraed is a single app used by all participants, with role-specific views:

  • Business — the program owner. Configures and manages the entire loyalty initiative.
  • Merchant — a brand participating in a coalition program. Processes transactions and manages their own promotions within the program rules set by the Business.
  • Individual — the end consumer. Joins the program, accumulates and redeems benefits, and manages their account.
  • Developer — integrates Spraed via API for POS systems or third-party applications.

Two program models​

Spraed supports two operating models that reflect how businesses are structured in the real world:

  • Single Brand — one brand, one loyalty program, one or more store locations. Simple to set up, simple to run.
  • Coalition — one Business aggregating multiple independent merchants under a shared loyalty program. More powerful, with additional tools for financial settlement between participants.

See Single Brand and Coalition for a detailed breakdown of each model.

Core concepts​

Before diving into setup and operations, it helps to understand a few key ideas that underpin how Spraed works — accounts, transactions, the settlement flow, and what "pending balance" means in a coalition context.

See Key Concepts.