Turn Everyday Spending
Into Customer Retention
Automate threshold rewards, run promotions, issue merchant-specific Smart Value Credits (SVC), and enable gift cards and local delivery — measured against repeat visits and real ROI.
See the value, understand the system, then go live.
Walk through SpenVest the way your team will adopt it: preview the merchant experience, learn how rules and automation work, then connect setup to measurable repeat-visit growth.
Preview
See the merchant-facing experience before diving into implementation.
Operate
Understand rules, automation, and the behavioural mechanics clearly.
Measure
Connect program setup to repeat visits, retention, and ROI.
Try the demo experiences
Curated previews plus interactive demos — clearly marked as sample data.
Merchant dashboard experience
Live merchant dashboard captures from the current demo environment, focused on revenue, threshold performance, customer health, and operational actions.
For Merchants
What merchants actually operate inside SpenVest
See the whole merchant picture in one operating dashboard
Track revenue, transactions, average order value, new customers, action items, and SVC balance from one merchant view.
Run promo items, thresholds, and retention offers with more control
Launch structured campaigns around spend behaviour, threshold progress, and win-back activity without relying on broad discounting.
Launch a dedicated merchant webpage for ordering, bookings, and delivery
Give customers a merchant-branded SpenVest page where they can order online, request local delivery, book tables, and access live offers in one place.
Understand which customers are at risk and act earlier
Use customer insights and segmented views to spot drop-off, identify high-value groups, and trigger targeted retention activity.
Turn recommendations into actions, not just reports
AI recommendations and operational alerts help merchants respond to slipping regulars, threshold drop-off, and growth opportunities faster.
Measure retention performance with analytics that tie back to trade
Review transaction trends, traffic heatmaps, cohorts, and repeat behaviour so retention spend can be judged against real commercial outcomes.
Browser first for operations, with desktop app options available.
The merchant portal is designed to run well in the browser and that remains the primary recommended path. For operators who prefer a dedicated app experience, you can install SpenVest as a desktop app on Mac or Windows with one click — no app store required.
Recommended rollout
Use browser as default
Best for fast updates, support, and rollout control while the merchant platform is still evolving.
Desktop app for controlled deployments
Suitable for store-managed devices, kiosk-style installs, or enterprise IT rollout requirements. Install as PWA for instant setup with no app store approval.
Go live in four steps
Integration is built around POS selection + OAuth, then programmable rules and measurable outcomes.
Connect
Select your POS system and complete OAuth so SpenVest can ingest transaction webhooks.
Configure
Create thresholds (v1 → vN), SGVC/MGVC, cashback, gift value, and eligibility rules.
Activate
Enable in-store authorisation and (optional) online ordering + delivery within your radius.
Measure
Track retention, returning customers, basket lift, and campaign ROI tied to issued value.
Identify the customer before payment
Staff scan the SpenVest QR code and attach the customer in the POS — then complete payment normally. Identification only, not redemption.
Customer presents SpenVest QR
The customer opens their SpenVest app and shows their QR code or member code at checkout.
Staff scans or enters member code
Staff scan the QR code or manually enter the member code to identify the customer.
Staff attaches customer in POS
Staff add or attach the identified customer to the sale, cart, or order in their POS system.
Staff completes payment normally
Payment is processed through the merchant's standard POS checkout. Scanning does not redeem SVC.
Identification only — not payment or redemption
Scanning the SpenVest code does not redeem SVC, does not reduce the sale total, and is not a payment method. The merchant completes payment normally in their own POS. This step links the transaction to the customer's SpenVest account for later SVC attribution.
POS-specific checkout instructions available in the Merchant User Guide
Merchant growth without discount-led “loyalty”
Configure programmable value and operate commerce with clear, measurable behavioural ROI.
Instant ABN Validation
Automated verification and compliance checks. Meet Australian regulatory standards effortlessly.
POS + OAuth integration
Connect your POS through OAuth and securely stream transaction webhooks into SpenVest for SVC/value calculation.
Secure Authentication
Bank-grade security with email & SMS OTP verification. Protect your business and customers.
Threshold versions (v1 → vN)
Create versioned thresholds that shape repeat visits and basket behaviour — with transparent rules.
SVC — Smart Value Credit
Run merchant-issued store credits and special campaigns with clear program rules and eligibility controls.
Cashback + gift value rails
Cashback and gift cards on the same POS-authorised rails as SVC, with unified wallet tracking.
Growth Analytics
Real-time insights into customer behavior, transaction trends, and revenue opportunities.
Dedicated merchant webpage + online shop
Launch a SpenVest-powered merchant page for ordering, live offers, merchant branding, and value eligibility rules.
Local delivery + table bookings
Support local delivery, pickup, and table-booking style merchant journeys through the same customer-facing commerce layer.
Customer Engagement
Build lasting relationships with customers who value financial wellness and smart spending.
Segments + retention campaigns
Slice customers by behaviour, spot at-risk regulars, and launch targeted win-back offers from a built-in campaign builder.
Bookings, appointments, classes & events
Run table bookings, service appointments, recurring classes, and ticketed events from one merchant calendar — built for hospitality, salons, studios, and venues.
Hot items + Special SVC campaigns
Promote featured products and run time-boxed Special SVC campaigns with eligibility rules, caps, and full ledger transparency.
MGVC + SGVC gift card rails
Issue merchant-branded gift cards (MGVC) with quotas and discounted offers, alongside SpenVest network gift value (SGVC) — both reconciled on the same POS rail.
Order support + ticket inbox
A merchant inbox for online order queries and customer support tickets — every conversation tied back to the customer and transaction.
Run the back office, not just the loyalty engine
Finance, team, security, branding, and messaging — everything a merchant actually needs to operate a SpenVest program day-to-day.
Finance, payouts & settlements
Track invoices, payout cycles, settlement runs, and PayTo flows in one finance view — reconciled against issued SVC, cashback, and gift value.
Team accounts & roles
Invite staff, assign roles, and manage who can run campaigns, change rules, or access finance — without sharing one login.
2FA, trusted devices & API keys
Lock down the merchant portal with TOTP two-factor auth and trusted-device controls. Issue scoped API keys for integrations and webhooks.
Notification templates & channel prefs
Send template-based system and marketing notifications, with per-channel preferences your customers can manage — so messages stay welcome.
Branded store page + themes
Customise your SpenVest merchant page with themes, sections, and preferences — your storefront, your brand, no extra hosting.
POS CSV import + reconciliation
Not on a supported POS yet? Import transactions by CSV and reconcile against issued value — so loyalty math stays consistent either way.
Merchant Pricing
Subscription tiers aligned to the merchant portal demo. Plans scale from rewards-first entry through full operating infrastructure, with pricing in Australian dollars.
Rewards
Rewards-first entry plan for service operators starting with structured retention.
Best for fuel, car wash, and service-led operators beginning with SVC and core retention journeys.
- Transactions: up to 15,000 / month
- Basic merchant dashboard
- Update loyalty rules once a month
- Bonus SVC campaigns (Special SVC)
- Basic analytics
- Merchant webpage: limited
- No gift cards (MGVC) included
- No cashback controls
- No online shop or delivery module
- No transaction overage on the demo tier
- Branch expansion available from Starter
Service-led operators can begin here. Hospitality and most retail businesses generally start on Starter or above.
Starter
Single-location plan for merchants launching measurable repeat-visit behaviour.
Best for cafes, retail stores, and venues starting with one operating location.
- Transactions: up to 60,000 / month
- Update loyalty rules once a month
- Featured "Hot Items" promotions: up to 20
- Bonus SVC campaigns (Special SVC)
- Merchant gift cards (MGVC): 100 / year
- Basic analytics dashboard
- Merchant webpage: limited
- Online shop enabled
- No cashback controls
- $0.02 per additional transaction
Starter is the minimum plan for hospitality and most retail merchants in the demo governance model.
Growth
Growth plan for multi-location merchants running retention, offers, and gift-card operations together.
Best for operators scaling frequency, offers, and merchant-issued value across a growing footprint.
- Transactions: up to 250,000 / month
- Update loyalty rules weekly
- Featured "Hot Items" promotions: up to 75
- Bonus SVC campaigns + cashback controls
- Merchant gift cards (MGVC): 500 / year
- Advanced analytics
- Accept system gift cards (SGVC) issued by SpenVest
- Merchant webpage: expanded
- Online shop enabled
- $0.015 per additional transaction
Merchant subscriptions. Enterprise-style licensing and custom operating terms remain available by agreement.
Scale
High-volume infrastructure for chains, groups, and merchants operating with AI-led optimisation.
Best for regional groups, franchise-style operations, and larger hospitality networks.
- Transactions: up to 1,000,000 / month
- Update loyalty rules daily
- Featured "Hot Items" promotions: up to 250
- Bonus SVC campaigns + cashback controls
- Merchant gift cards (MGVC): 1,500 / year
- AI-powered analytics insights
- Merchant webpage: full
- Online shop + delivery radius module
- Dedicated support
- $0.01 per additional transaction
Merchant subscriptions. Enterprise-style licensing and custom operating terms remain available by agreement.
Business-type policy matters: service-led operators may begin on Rewards, while hospitality and most retail merchants start from Starter or above. Gift card quota overages can be invoiced where issuance exceeds the included annual allocation.
Transaction limits refer to processed POS purchase events imported into SpenVest for SVC processing. They do not include analytics events, notifications, dashboard views, or internal behavioural calculations.
Enterprise infrastructure licensing
Purpose-built for national brands, multi-location retailers, and platforms requiring dedicated infrastructure, API integration, and configurable value services — without touching your existing POS flows.
Platform capabilities
Integrate without disruption
Connect via API/OAuth and permissioned transaction ingestion with audit-grade telemetry. No customer retraining required.
Enterprise partner API access
Expose SpenVest capabilities to brands, banks, and merchants with their own rewards engines through controlled APIs, webhooks, and partner-grade access controls.
Custom orchestration rules
Define versioned thresholds, eligibility rules, and behavioural experiments with enterprise-grade reporting.
Dedicated infra + SLA
Dedicated infrastructure cluster, SLA, technical account management, and data integration options.
No POS changes and no customer retraining. Annual platform license + usage-based processing aligned to transaction volume.
Commercial structure is tailored to integration scope and throughput
Enterprise pricing is typically structured as an annual platform license plus usage-based processing aligned to transaction volume.
Commercial structure tailored to integration scope and throughput
Enterprise pricing is typically structured as an annual platform license plus usage-based processing aligned to transaction volume.
Security, privacy, and merchant-grade controls
SpenVest is designed as a behavioural SaaS engine. Merchant integrations are permissioned, transaction ingestion is controlled, and customer value instruments (SVC and gift value) follow clear program rules and eligibility checks.
Note: Feature availability and integrations can vary by POS, region, and rollout stage.
Merchant FAQ
The questions operators ask before going live.