Cut Costs, Elevate Engagement:
A Winning Payment

Small credit card transactions can be costly for your business due to interchange and fixed fees. Customers paying with a credit card for purchases under $10 are hurting your bottom line. But there's a solution. The Accrue Wallet allows your customers to pay using their preloaded balance, rewards, and other stored value. They check out with virtual/physical debit cards, Apple Pay, or ACH transfer — reducing or nearly eliminating transaction fees.

Say goodbye to the hassle of managing gift cards and credits on your balance sheet. Accrue simplifies the process by moving them into brand-dedicated accounts owned by your customers. Their Wallet becomes a centralized hub for their purchasing power with your brand, allowing them to reload funds at any time.

Like a gift card, customers are more likely to spend funds that are already earmarked for a specific merchant. By having these funds set aside — they’ll spend them with you, not your competitors — making larger and more frequent purchases.

Accrue partners with you to improve user acquisition rates and increase market share by offering flexible incentives for non-purchase behaviors, such as preloading funds.

Our saving and spending insights enable personalized marketing, helping you connect with your customers on a deeper level. And you’ll multiply your monthly brand impressions by embedding Wallet management actions within your app, website, and marketing channels.