Direct answers to the questions banks, credit unions, and fintechs ask most often before integrating Flourish Fi. Need something not covered here? Contact the team.
Typical timeline from contract signature to first campaign live is 5 to 7 weeks. The cycle covers kickoff and configuration, QA and testing, rollout, and a results review. Engineering effort on the integrator side is usually 2 to 3 weeks of focused work — the rest is product configuration, brand alignment, and validation.
Reach out with a brief description of your product and engagement goals. The team will scope a campaign concept and implementation timeline. Most pilots launch within 5 to 7 weeks of contract signature.
Three streams of behavioral signals pushed from your core banking system:
PUT /api/v3/card-transactions with the transaction amount, currency, status, and merchant category code.PUT /api/v3/bills/payments with the bill type, amount paid, due date, and payment date.PUT /api/v3/generic-events for any domain action you want to reward (login, profile completion, referral, etc.).No personally identifiable information is required. Flourish operates on a stable customer_code that you control — no names, emails, phone numbers, or document IDs are stored or processed.
At minimum, every settled transaction or behavioral action you want a campaign to reward. Most integrators start with card transactions and bill payments. Login events, transfers, and custom actions can be pushed as generic events with a stable event_name agreed during onboarding.
Each event needs a unique idempotency identifier (transaction_id, payment_id, event_id) so retries are safe and double-counting cannot happen.
Native SDKs for iOS, Android, React Native, Flutter, and Web. The SDK renders an embedded module inside your existing app, branded with your typography, colors, and design system. Users do not leave your app to interact with the loyalty experience.
The backend integration is REST APIs plus webhooks — no shared databases, no SDK lock-in to a specific stack.
Flourish processes the mechanics and emits a Reward Notification webhook to your backend with the prize details. You implement the actual delivery — depositing cashback, crediting points, increasing the credit limit, granting the gift card.
Flourish does not move money or change credit lines on your behalf. You stay in control of every customer-affecting transaction.
Flourish provides a behavioral mission engine that rewards customers when they complete configured actions inside your existing banking app. Common patterns:
Mechanics are configured by the Flourish operations team based on your campaign goals. You push the events; you handle reward delivery via webhooks.
The platform ships with documented patterns for the most common engagement archetypes:
Each pattern has a documented blueprint with required events, prize options, and expected metrics. Full implementation detail is in the developer documentation.
Three layers, with clear ownership:
The platform is not a black box: every rule is reviewable with the integrations team and adjustable as the campaign evolves.
Yes — multiple levers, configured before launch and adjustable during:
The combination gives explicit budget control before, during, and after a campaign runs.
Mission rules can be scoped to specific event types, value ranges, merchant categories, or transfer types so abusive patterns cannot earn rewards. Status updates from your core banking (chargebacks, reversals, fraud flags) automatically debit the cashback wallet, so reversed transactions do not pay out. Eligibility checks are called against your endpoint before each cashout cycle, so you decide who receives money.
Final fraud judgment is yours — Flourish provides the levers, you set the policy.
Flourish does not require any personally identifiable information to operate. The platform identifies users by an anonymous customer_code that you control — no names, emails, phone numbers, or document IDs are stored or processed. All your sensitive customer data stays in your systems.
Yes. Typography (any Google Font), colors (your design system), icons, illustrations, and copy are configurable per integrator. The Flourish module renders inside your app and looks like a native part of your product — users do not perceive a third-party experience.
Over two dozen banks, credit unions, and fintechs across the United States and Latin America. The platform has processed hundreds of millions of transactions and reaches hundreds of thousands of consumers. Reference cases are available on request from the Flourish team.
The pricing model is an implementation fee plus a recurring fee per active user on the Flourish technology. Specific pricing depends on volume, region, and the modules in scope (Earn & Play, Contextual Campaigns, Level System, Financial Knowledge).
Talk to the Flourish team for a quote tailored to your product.
Flourish operates today across the United States and Latin America with USD, BRL, MXN, and other regional currencies. New corridors are added per partner.
If you operate in a market not yet covered, the engineering and operations cost is small — talk to the team about a regional expansion.