Integration Blueprint

Level 1

Batch & simple campaigns

Best for first-pilot rollouts, validating the model on a single cohort, or running a one-off promotional campaign before deciding on a larger commitment.

What you push

• One nightly batch of card transactions or bill payments to PUT /api/v3/card-transactions or PUT /api/v3/bills/payments.
• One initial segment assignment per qualifying customer via PUT /api/v3/customers/{code}/segments/{segment}.

What you receive

• Mission completion webhooks (informational, for analytics).
• Cashback wallet payout webhooks at month-end (your handler delivers the money).
• Eligibility check webhook before each cashout (your endpoint returns yes/no).

Campaigns you can run

Any single campaign from the patterns library — e.g. Onboarding Activation, Spending Threshold Cashback, or Login Engagement. Combining two campaigns is fine; combining three with batch data starts to lose freshness.

What's not in scope at L1

• Real-time mission progress (users see yesterday's totals).
• Wheel and gamified mechanics (these need real-time event flow to feel responsive).
• Tiered loyalty (segment changes lag a day).
• Multi-corridor remittance campaigns.

How long

Typical timeline: 4 to 6 weeks from contract signature. Engineering effort on your side: 1 to 2 weeks of focused work to wire the daily batch and the webhook handlers.

Graduate to Level 2 when: you want users to see their progress update during the day, you want to launch a wheel-based campaign, or you want to run more than two campaigns simultaneously.

Level 2

Real-time & dynamic

The most common production deployment. Real-time event flow unlocks gamification (wheel, scratch card), responsive UX (users see balances update immediately), and parallel campaigns covering multiple goals.

What you push

• Card transactions in real time (within seconds of authorization) to PUT /api/v3/card-transactions.
• Status updates (chargebacks, reversals) via PATCH /api/v3/card-transactions/{id}/status as they happen.
• Bill payments in real time to PUT /api/v3/bills/payments.
• Generic events (login, profile completion, etc.) to PUT /api/v3/generic-events.
• Segment assignments updated automatically on a recurring job (weekly typical, daily for tier-based campaigns).

What you receive

• Mission completion webhooks for every running campaign.
• Reward Notification webhooks for wheel wins (immediate) and cashback cycle close (monthly).
• Eligibility checks before payouts.
• Generic event notifications for behavioral milestones.

Campaigns you can run

3 to 5 patterns simultaneously is the typical sweet spot. A common bundle:

• Onboarding Activation — first-transaction welcome bonus.
• Spending Threshold Cashback — monthly volume reward.
• Transaction-Earned Spin — per-transaction wheel.
• Login Engagement — weekly returning-user reward.

What's not in scope at L2

• Tiered loyalty ladders with daily recalculation (still possible, but typically batched weekly at L2).
• Multi-corridor remittance with real-time settlement.
• A/B testing of campaign mechanics within the same segment.

How long

Typical timeline: 8 to 10 weeks from contract signature. Engineering effort on your side: 3 to 4 weeks — mostly the real-time event-push pipeline and the cashback eligibility endpoint.

Graduate to Level 3 when: you want to run dozens of parallel campaigns, A/B test mechanics, support multiple corridors, or operate a daily-recalculated tier ladder.

Level 3

Full personalization

For mature programs running an engagement engine as a core product capability. All event types, full segmentation, A/B testing, daily tier moves, multi-currency, and multi-corridor support.

What you push

• Everything from Level 2, plus:
• Transfer events for remittance and P2P campaigns (when transfer ingestion ships) or generic events for transfer-driven mechanics.
• Daily tier recalculation: every customer's segment is recomputed from up-to-the-minute event data and updated via segment-assignment APIs.
• Custom event names for product-specific actions (referral completed, KYC level upgraded, savings goal hit, etc.).

What you receive

• Everything from Level 2.
• Limit Booster webhooks if running credit-limit-redemption campaigns.
• Wallet-mode-switch intent webhooks for users moving between cashback and Limit Booster modes.

Campaigns you can run

Unlimited, organized by segment. A typical L3 program runs:

• The full Level 2 bundle.
• Tiered Engagement — Bronze / Silver / Gold ladders with progressive prize tiers.
• Bill Payment Streak — recurring monthly bonus.
• Time-Bounded Promotions — campaign-specific drops layered over the always-on bundle.
• Remittance Engagement — for products with transfer flows.
• A/B variants of any of the above — e.g., test two prize amounts on equivalent segments.

What's not in scope at L3

• The platform doesn't replace your CRM, your fraud-detection system, or your accounting ledger. L3 integrates deeply with all three but does not subsume them.

How long

Typical timeline: 12+ weeks from contract signature. Engineering effort on your side: 5 to 8 weeks. Most of the additional time is on the integrator side, building real-time tier recalculation jobs and wiring custom event sources.