How Triple Works

Cardholders are presented available offers through an app, website, or other channels used by the participating Financial Institution (also referred to as "publisher"). The user interface can be fully custom-built by the publisher, or they can leverage a pre-built white-label interface provided by Triple. These offers come from a network of Triple's content providers, including retailers, loyalty programs, and other providers.

Triple High Level Cardholder Flow

To personalize and target offers, Triple employs a multi-pronged approach. Triple's proprietary algorithm takes into account factors such as location, past transactions, shopping habits, seasonality, and merchant affinities to create a tailored experience for each cardholder. Additionally, Triple uses explicit user feedback to determine which types of offers to display. This gives cardholders more control over their experience and reduces the learning cycle.

There are four main types of offers available to cardholders: Always-On (no activation required), Click to Activate, Affiliate Online, Merchant Fulfilled Online (coupon code).

• Always-On: requires no action other than making a purchase with an enrolled card
• Click to Activate: requires cardholders to activate the offer before making a purchase.
• Affiliate Online: requires cardholders to click and follow a specific link to the merchant's website.
• Merchant Fulfilled: requires cardholders to copy and use a coupon code at checkout. The reward will be applied directly at checkout (no statement credit).

After a purchase is made, cardholders can receive notification of a pending award. Behind the scenes, Triple, the publisher, and the content provider work together to verify the transaction and eligibility for rewards. If successful, cardholders will see the reward added to their account as a credit or loyalty unit.