Corporate (B2B) + Retail (B2C) Rewards + Wallets Reconciliation-ready White-label multi-tenant

Gift Cards & Rewards Platform — Programs, Sales, Delivery & Audit-Grade Control

Launch and scale gift cards, vouchers, coupons, and loyalty wallets with corporate approvals, consumer checkout, instant delivery, partner dashboards, and ledger-backed reconciliation — built to plug into your ERP/CRM stack.

B2B-ready
Bulk issuance, approvals, slabs, invoicing.
B2C-ready
Checkout + instant delivery + QR redemption.
CFO-grade
Ledgers, statements & reconciliation exports.
Proof

Trusted by teams that care about control

Add your pilot partners, customers, or business units here. (Placeholders below)

Corporate HR Bank/NBFC Retail Insurance Travel Marketplace
Micro-segmentation

Who is this for?

Enterprise-ready flows for corporate gifting, loyalty, payouts, campaigns, and white-label partner platforms.

Enterprises & Corporates
Employee rewards, incentives, onboarding kits
🏢
  • Approval flows
  • Bulk issuance
  • Invoice + GST-ready
Banks & NBFCs
Co-branded cards, loyalty programs, campaigns
🏦
  • Partner dashboards
  • Settlement logic
  • Audit trail
Retail & E-commerce
Store credits, cashback, promo vouchers
🛒
  • Coupon engine
  • UTM tracking
  • Redemption analytics
Insurance & FinTech
Claims rewards, referrals, wallet incentives
💼
  • Controlled payouts
  • KYC/KYB hooks
  • Ledger exports
Travel
Agent incentives, vouchers, promo bundles
✈️
  • Channel rewards
  • Partner tiers
  • Reconciliation-ready
Make it tangible

Real-world use cases (what actually happens)

Decision-makers buy outcomes. Here are common flows teams run daily — with approvals, delivery evidence, and reconciliation.

Employee onboarding gift
New hire joins → welcome gift auto-sent
🚀
  1. 1HR triggers
  2. 2Approval
  3. 3Gift card issued
  4. 4WhatsApp/email delivery
  5. 5Redeem
  6. 6Ledger posted
Outcome: Zero manual follow-ups + full evidence trail
Sales incentive payout
Target achieved → instant voucher
📈
  1. 1CRM webhook
  2. 2Rule engine
  3. 3Bulk issuance queue
  4. 4Maker–checker
  5. 5Send
  6. 6Track redemption
Outcome: Faster incentives + reduced leakage
Refund → store credit
Customer refund → wallet/gift instead of reversal
💳
  1. 1Refund request
  2. 2Offer credit
  3. 3Issue voucher
  4. 4Customer accepts
  5. 5Redeem
  6. 6Reconcile
Outcome: Retains revenue + improves repeat purchases
Channel partner rewards
Distributor incentive → bulk payout
🤝
  1. 1Partner tier
  2. 2Slab pricing
  3. 3Invoice
  4. 4Payment
  5. 5Bulk issue
  6. 6Statement match
Outcome: CFO-friendly settlement + partner trust
End-to-end

Program lifecycle — from setup to settlement

A clean, auditable lifecycle reduces fraud, disputes, and manual reconciliation.

Gift card lifecycle
A single, auditable flow from configuration to ledger-backed settlement.
🔁
Step 1

Configure

Programs, rules, fees, expiry, templates

Step 2

Fund

Collections, invoices, approvals, controls

Step 3

Distribute

Bulk issue, campaign send, scheduling

Step 4

Redeem

QR / code redemption + evidence

Step 5

Track

Dashboards, breakage, cohorts, ROI

Step 6

Reconcile

Statements, ledgers, settlement + exports

Pain-driven clarity

Common problems in gifting & rewards

Teams lose revenue due to manual corporate flows, unclear redemption visibility, promo sprawl, and messy reconciliation.

Corporate gifting happens on email threads
Replace ad-hoc processes with program-driven workflows.
Bulk issuance lacks approvals and audit logs
Add maker–checker, thresholds, and evidence trails.
Delivery failures and customer disputes
Track delivery receipts, retries, and proof-of-delivery logs.
Promo codes and campaigns are scattered
Centralize rules, UTMs, and campaign reporting.
Redemption visibility is weak
See issuance→redemption funnels and cohort performance.
Partner statement reconciliation is painful
Use ledger exports + statement matching workflows.
Fast value

Before vs after using Naysa

Move from manual gifting to controlled programs with visibility, campaigns and ledgers.

Before
After
Manual gifting + email threads
Program-driven issuance + delivery
No visibility on redemption
Dashboards for issuance/redemption
Corporate pricing done ad-hoc
Slabs + approvals + invoicing
Promo codes are scattered
Central campaigns + coupon engine
Reconciliation is painful
Ledgers + partner reconciliation
Core Product Stack

Programs + corporate sales + retail delivery + governance

A modular platform for gift cards, vouchers, rewards wallets, campaigns and reconciliation.

Gift Card Program Management
Denominations, fees, expiry, templates
🎁
  • Program setup: denominations, fees, expiry
  • Card issuance rules (single/bulk)
  • Inventory / PIN management (as applicable)
  • Program terms & policy control
  • Brand theming & templates
ModuleAutomationControls
Corporate (B2B) Sales & Approvals
Deal desk, slabs, invoicing, payment tracking
🤝
  • Corporate pipeline & deal desk
  • Bulk issuance with approvals
  • Custom pricing slabs & discounting
  • Invoice workflows and payment tracking
  • Account manager dashboards
ModuleApprovalsFinance
Consumer (B2C) Checkout & Delivery
Web/app checkout + instant delivery + redemption
📲
  • Web/app checkout orchestration
  • Email/SMS/WhatsApp gift delivery
  • Gift scheduling & personal messages
  • QR-based redemption patterns
  • Refund/reversal workflows (as per policy)
CheckoutDeliveryEvidence
Rewards, Loyalty & Wallets
Points, cashback, expiry, breakage tracking
👛
  • Points/cashback/vouchers
  • Earn/burn rules and tiers
  • Expiry and breakage tracking
  • Customer wallet/passbook view
  • Campaign-based bonus logic
RulesTiersWallet
Campaigns, Coupons & Promotions
Codes, bundles, UTMs, conversion analytics
🏷️
  • Coupon code engine
  • Bundles and festive campaigns
  • Affiliate/reseller tracking
  • Landing pages and UTMs
  • Analytics on conversion and ROI
CampaignsUTMROI
Reconciliation, Ledgers & Governance
Audit trails, approvals, exports, settlement
📒
  • Ledger patterns (issuance, redemption, refunds)
  • Partner statement reconciliation
  • Fees/discounts/commissions tracking
  • Maker–checker approvals
  • Audit trails and export bundles
LedgerExportsAudit
How it works

Architecture — triggers → engine → ledger → outputs

A simple, enterprise-friendly flow: connect systems, run controlled programs, reconcile with confidence.

1) Triggers
HRMS • CRM • Refunds • Partner Portal • Campaigns
WebhooksImportsManual
2) Engine
Rules • Approvals • Inventory/PIN • Delivery retries • Risk flags
Maker–checkerLimitsQueues
3) Ledger
Issuance • Redemption • Refunds • Breakage • Fees/discounts/commissions
Audit trailReconcileEvidence
4) Outputs
GST invoice • Statements • Exports • BI • Alerts • Role dashboards
ERPAccountingBI
What enterprise teams like: clear ownership boundaries, configurable controls, and ledger-backed dispute resolution.
Security posture

Security & trust — built like infrastructure

Designed to satisfy finance, risk, and operations teams with strong access control, logs, and export governance.

Enterprise controls
RBAC, segregation of duties, approvals, and audit logs across high-risk actions.
🛡️
  • Role-based access + segregation of duties
  • Audit logs (who/what/when) for issuance, refunds, exports
  • Export governance (sensitive data controls)
  • Optional SSO (SAML/OAuth) readiness
Data protection
Secure handling for PII and program data with standard best practices.
🔒
  • Encryption in transit + at rest (implementation dependent)
  • PII masking + controlled views
  • Rate limits + IP allowlisting (optional)
  • Controls aligned to SOC2-style practices (where applicable)
Note: exact security posture depends on your deployment model and partner integrations.
Risk controls

Fraud & abuse prevention (gift-card specific)

Gift cards attract fraud. Build strong guardrails with velocity limits, review queues, and suspicious pattern alerts.

Velocity rules
Per user/phone/email/device/IP limits for issuance, redemption, and refunds.
LimitsThrottles
Review queue
Flagged transactions route to an exception queue with maker–checker approvals.
QueueMaker–checker
Black/white lists
Block risky identities; allow trusted corporate domains/partners for smoother flow.
AllowlistBlocklist
Alerts & patterns
Detect spikes, repeated retries, odd redemption clusters, and suspicious breakage patterns.
AlertsAnomalies
Compliance & trust

Built for compliance, audit trails, and enterprise governance

Positioned as infrastructure — not just a gifting tool. Designed for finance, risk, and operations teams.

Controls that prevent leakage
Maker–checker, velocity rules, exception queues, and full audit logs across issuance, delivery, redemption, refunds.
✅
Role-based access

Segregation of duties for risky actions

Encrypted exports

Controlled downloads + redacted views

Delivery evidence

Receipts, retries, logs for disputes

Ledger exports

Reconciliation-ready accounting mapping

Compliance-ready posture
Optional hooks for KYC/KYB, GST invoices, and settlement governance based on your partner model.
📑
  • GST-ready invoicing & accounting mapping
  • Audit trail for approvals & exports
  • Escrow/settlement logic (as configured)
  • Policy-driven limits & thresholds
Note: Exact regulatory obligations depend on your issuer/partner arrangement and program design.
Integration-ready

Plugs into your ERP, CRM, HRMS, and payments stack

Designed to work as a module inside a larger platform — with APIs, webhooks, and reconciliation exports.

Platform connections
Trigger rewards from HRMS/CRM, collect payments, and push ledgers into accounting.
🔌
API-firstWebhooksRole-basedExportsMulti-tenant
Popular automation: employee onboarding, sales incentive payout, refund-to-credit, channel partner incentives.
Integrations
Plug into your chosen partners and systems.
  • Issuer / program partners (as per setup)
  • Payment gateway / collections (as integrated)
  • Email/SMS/WhatsApp delivery
  • POS / e-commerce systems (optional)
  • Accounting/ERP for invoicing & reconciliation
  • Fraud/risk tooling (optional)
  • HRMS / Payroll (optional)
  • CRM & Marketing automation (optional)
WhatsApp deliveryERP ledgersPartner dashboards
Business impact

ROI & measurable outcomes

A few common improvements teams see when moving from manual operations to controlled programs.

Faster fulfillment
Up to 90%
Reduction in manual issuance + follow-ups
Less reconciliation time
Up to 60%
Statement matching + ledger exports
Lower leakage
Material
Approvals, limits, evidence, controls
Better visibility
Real-time
Redemption, expiry, breakage analytics
Partners

White-label & partner program

Launch your own gift card platform with your branding, domains, and partner visibility — plus optional reseller commission tracking.

Go to market faster
Multi-tenant themes, partner dashboards, and configurable role access.
✨
Branding

Theme tokens, templates, labels

Domains

Custom domains (optional)

Partner dashboards

Reporting per tenant/partner

Reseller commissions

Slabs, payouts, statements

Perfect for
Agencies, banks, fintechs, retailers, and platforms building loyalty + incentives.
Optional reseller module: L1/L2 hierarchy, commission slabs, payout cycles, TDS/GST mapping, partner statements.
Reseller engine

Partner commissions & reseller tracking

If you sell via channels, track commissions with transparency and finance-ready statements.

Hierarchy
L1/L2 partners, account managers, and role visibility.
Slabs
Commission slabs by volume, program, or customer segment.
Payout cycles
Weekly/monthly payouts with approvals and evidence.
Finance mapping
Statements, TDS/GST mapping, and ledger exports.
No surprises

Pricing philosophy (transparent, scalable)

Modular pricing aligned to growth — volumes, modules, and tenants. Add your exact figures later.

Starter (Pilot)
Best for 1–2 use-cases and limited issuance volume.
Includes: Program setup • Basic approvals • Delivery • Basic reporting
Platform fee (range)Per issuance
Growth
Multi-channel issuance + integrations + stronger analytics.
Most common
Includes: Coupons • UTMs • Webhooks • Reconciliation exports
Volume discountsAPI access
Enterprise
Multi-tenant white-label with SLA and governance controls.
Includes: SSO-ready • Partner dashboards • Risk controls • SLAs
SLAMulti-tenantSSO-ready
Tip: Add two clear numbers later: (1) monthly platform fee and (2) per-issuance fee tiers.
Outcomes

What stakeholders say (placeholders)

Add real quotes as you onboard pilots. Keep them short and role-specific (CFO, Ops, Growth).

“Reconciliation became finance-friendly.”
Ledger exports + partner statements reduced disputes and month-end stress.
CFO • Mid-size Retail
“We stopped managing approvals on email.”
Maker–checker + thresholds made bulk issuance auditable and controlled.
Ops Head • Corporate HR
“Campaigns got measurable.”
UTM tracking and redemption cohorts improved our promo ROI decisions.
Growth Lead • FinTech
FAQs

Frequently asked questions

Interactive, keyboard-friendly accordion with smooth height transitions.

Yes. The platform supports closed-loop (brand/merchant) and open-loop style programs when integrated with your chosen issuer/partner. Program rules vary by partner and compliance setup.
Gift Cards Demo

Launch a pilot in 7 days — see corporate gifting, retail checkout, rewards and reconciliation

We’ll map your program model (B2B/B2C), show issuance & delivery workflows, campaigns, governance controls, and rollout.

Quick Demo Agenda
  • Corporate bulk issuance + approvals
  • Retail checkout + instant delivery
  • Campaigns/coupons + analytics
  • Ledgers + reconciliation exports
  • White-label + partner dashboards
Models
B2B • B2C • White-label
Assets
Cards • Vouchers • Wallets
Launch a pilot
Programs + ledgers + delivery