From card to counter.
In seconds.
Link a card, find an offer, redeem it at the till and watch it land in the bank's console. Here's the whole journey.
How an offer
becomes a sale.
Six steps, every one of them live in the product today.
Link a card, safely
The cardholder enters the first 5 and last 4 digits, then confirms with a code sent to the mobile number the bank holds.
An offer finds them nearby
Offers match the cards they hold and where they are, with a gentle alert when a partner is close.
Show a code or scan the QR
At the till they show a rotating one-time code, or scan the QR on the merchant's tent card.
The merchant validates
Staff type the code into the merchant app, record the bill and the discount, and confirm with the last 4 digits of the card.
The bank sees it live
Chaque utilisation d'offre arrive instantanément dans la console : point de vente, produit de carte, montant de l'addition et remise, prêts pour les rapports et les webhooks.
Savings they can see
Cardholders see what every offer saved them, month by month. A reason to keep using your card.
Coupon codes
Unique or shared codes from a pool, copied in one tap and used at checkout.
Tracked links
A link that carries the offer to the merchant's site and reports the sale back.
Screens shown are from the live product with demo data.
Why offers drive spend,
and how cardoff.ai keeps the loop turning.
An offer that's seen, chosen and paid for with your card gives the cardholder a reason to come back. Every turn of the loop makes your card the default a little more.
- 1See an offer
- 2Choose your card
- 3Pay as usual
- 4Get rewarded
- 5Come back
Each turn makes your card the habit.
Win the top-of-wallet spot
Offers show in your app, your web portal and nearby alerts, so your card is the one on the cardholder's mind at the till and the one set as default in their phone wallet.
Timed to real routines
Schedule campaigns around salary day, weekends, school terms and Ramadan. Hyduri drafts the campaign and its audience, and you approve before anything goes live.
Funded by who gains
Mix merchant-funded offers, where the merchant pays the reward, with bank-funded boosts for the segments you most want to grow, each with its own budget.
Measure the lift, not just redemptions
Target a segment and leave a similar, random group out. Comparing the two shows the extra spend the offer caused, not just how many people redeemed.
No invented benchmarks here: measure the lift on your own portfolio. Read the spend & engagement articles
Votre marque. Dans leur poche.
Une application et un site en marque blanche pour chaque banque, avec vos couleurs, les vrais visuels de vos cartes et votre ton.
Validate at the till in seconds.
Staff sign in with a numeric merchant ID and a PIN, type the customer's code and record the sale. That's it.
Let merchants pay for the results they want.
Two ways merchants contribute to your programme, each with clear terms, statements and a ledger you can check line by line.
A listing fee, a monthly or yearly fee, per merchant or per outlet, with a free period and promo codes, or no fee at all. The merchant sees the fee in words before signing, and the same words go into the agreement.
By card, by invoice with a pay link, or by bank transfer, with tax by the merchant's country. If a fee goes unpaid, reminders go out first; offers pause only after that, and everything comes back on payment.
The merchant funds the cashback from a prepaid balance or a monthly invoice, within a total and a daily budget it sets. Your bank accepts, declines or pauses each funded offer before its cardholders see it.
Your bank sees what it earned and gets a monthly settlement statement. Merchants' money is kept apart from the platform's own in the ledger, and only your bank ever messages its cardholders.
Pilotez tout le programme depuis un seul endroit.
Offres, campagnes, ciblage par IA et analyses, avec validations et piste d'audit complète.
Paid memberships your cardholders understand.
Offer a membership with its own benefits: a better tier of offers, extra perks or both. Charge for it, include it with certain cards, or pay for your members yourself.
Monthly, every three months, yearly, or once for as long as the card is held. Add a free trial, and choose which card products make their holders members without paying.
Your bank charges the linked card on our instruction, each line with its own reference so it is never charged twice. Or a secure card checkout, your own payment page, or one monthly statement where the bank pays for its members.
The price is shown before any commitment, consent is recorded with the exact words shown, a reminder goes out before each renewal, and cancelling is always one step away.
Sign-ups, trials that turn into paid members, renewals, cancellations and revenue, in your console and in the report builder.
Every dispute tracked, its deadline in view.
When a cardholder disputes a card payment with their card issuer, or a merchant questions a charge, the case opens in the console with its deadline and its history. Nothing is left to email threads.
A dispute on a membership payment, a merchant top-up or an invoice is matched to its payment. While it is open, the member's benefits pause or the disputed amount is held; if it is won, everything comes back.
Hyduri drafts the evidence from the platform's own records. A person reads it, edits it and sends it, or accepts the dispute with a reason. Both are recorded in the audit log.
Funds withdrawn, funds returned and dispute fees each post as their own ledger line, so finance can reconcile a chargeback without guesswork.
A merchant can dispute a funded-offer charge within a set window. The bank of the purchase sees the case, money moves only on a decision, and a second approver can be required.
The card issuer decides the outcome of a chargeback. We help you answer on time with complete evidence and keep the books straight; we can't promise a dispute is won.
Toutes les conversations, un seul espace.
Chat en direct, tickets avec SLA et un CRM qui offre une vue complète de chaque banque, commerçant et titulaire de carte.
Your customers always come first.
We can answer your cardholders for you: in your bank's name, in the hours and languages you choose, held to the response times you promise. Or your own team answers, and we cover the rest.
Who answers is your choice.
Start with one model and change it as you grow. Your cardholders always see your bank's name.
Your agents answer on your bank's own desk, with every support tool in the console.
Trained cardoff.ai agents answer from a shared team, in your bank's name.
Named agents who work for your bank first and know your cards and offers in depth.
Your team answers first. We cover nights, weekends and busy hours.
You set the service.
Choose what your customers get, in your console. Change it whenever your needs change.
Business hours, extended hours or around the clock, in your own time zone.
Arabic and English, and other languages wherever we have agents who speak them.
Live chat and tickets, from your offers site and apps.
Targets for the first reply and for resolution, by priority: the promise you make to your customers.
Sized to your customers, not to a guess.
We size the team from your cardholder numbers, the hours you want covered and the response times you promise. As you grow, we watch the real volume every day and propose the next step up before your customers ever feel it.
- 1We watch contact volume and response times every day, against your targets.
- 2When your team nears its limit, you hear from us first, with a proposal for the next step up.
- 3You approve it in your console, or let it grow on its own within a ceiling you set.
You see everything, live.
Every conversation and ticket, how fast each was answered against your targets, and what your customers thought of the help they got. Nothing about your customers happens out of your sight.
And support for you, too.
Your team and your merchants are never left to work it out alone.
- Guided onboarding, from your first file to launch day
- A named contact who knows your programme
- A help desk inside your console, with tickets and live chat
- Hyduri, ready to answer questions and draft the work
- Help to sign up and publish the first offer
- Chat and tickets from the merchant console
- Guides for staff at the till, in Arabic and English
Signé avant que le café ne refroidisse.
Émettez les contrats commerçants depuis la console. Les commerçants signent avec un code à usage unique et chaque partie reçoit un PDF scellé.
- 1Rédigez à partir d'un modèle et placez les champs
- 2Émettez-le : le commerçant reçoit un lien de signature
- 3Il signe et confirme avec un code à usage unique
- 4Un PDF scellé avec certificat de signature pour les deux parties
Vos offres, partout où vous le souhaitez.
Des SDK pour le web, iOS et Android, une API REST, des webhooks signés et un environnement de test avec des cartes de test.
GET /v1/public/offers?limit=3 { "items": [{ "merchant": "Saffron Terrace", "title": { "en": "25% off the total bill" } }] } webhook redemption.confirmed → 200
Speaks your customers' language.
Arabic and English out of the box, right-to-left done properly, and new languages switched on and AI-translated from the console.
See it in your bank's look before you decide.
Three ways to try cardoff.ai, from a quick look to a hands-on trial for your team. Every demo is private, clearly marked as a demonstration and uses sample merchants and customers.
Type your bank's website. Hyduri reads your logo, colours and cards and builds a private preview of the customer offers site, with sample merchants in your city.
Build your previewWe keep a prepared read of the main retail banks in the region: logo, palette and card designs. If your bank is in it, your preview starts from that prepared look instead of a first read of your site.
A private demonstration bank in your look, with sample merchants, customers and cards. Your team signs in to the console, the customer site and the merchant tools and tries them for a few weeks. Payments are simulated and nothing leaves it.
Ask for a sandboxA demo never uses real customer data and is never presented as an official site of your bank.
