Partners settle from the same ledger members earn on
The ReactorCX partner ecosystem capabilities let an enterprise loyalty platform run co-brand, coalition and vendor-funded programs with financial discipline: partner wallets and sub-balances, funding attribution at the point of accrual, escrow, date-relative co-marketing billing, settlement and reconciliation, all recorded in the same ledger as member balances. FeedXChange™ handles partner data exchange at enterprise scale.
Settlement
Partner settlement · this period
| Entry | Balance Δ | Liability Δ | Funding | Audit ref |
|---|---|---|---|---|
| Earn · partner-funded | + 100 | + 1.00 | Partner P | act-…42 |
| Earn · brand-funded | + 250 | + 2.50 | Brand A | act-…41 |
| Burn · at partner | − 150 | − 1.50 | Partner P | act-…58 |
| Settlement · period close | — | − 0.50 | Partner P | set-…07 |
| Reconciled ✓ | 200 | 1.50 | per partner | exported |
Partners settle from the same ledger members earn on
What the ledger records for every partner
Partner wallets and sub-balances
Unlimited currency types and point purses per brand. Points are tagged by source (partner, location, channel, promotion) and tracked as sub-balances within one unified member balance.
Vendor funding and escrow
Partner-funded offers carry their funding source through burn, expiry and settlement. Escrowed accruals are held and released by rule, with AccrualEscrowEvent and AccrualExpiryEvent published to downstream systems.
Burn order
FIFO and tagged burn order decide which purse a redemption draws from, so a mixed redemption settles to the right brand and partner at the line item.
Date-relative co-marketing billing
Bill partners on the terms of each offer, with attribution tracked at the sub-balance level for line-of-business and partner reporting.
Settlement and reconciliation
Settlement is produced from the same lineage as the member ledger and exported at the transaction level for finance.
Vendor-protected arbitration
When overlapping offers include vendor-funded promotions, the arbitration engine can apply vendor-protected policy so funding commitments are honored.
FeedXChange™: partner data exchange at scale
Batch feeds still run a lot of the world's partner integrations, especially co-branded credit cards, airlines, hotels and coalition partners operating on established formats and schedules. FeedXChange™ simplifies the configuration, connectivity, security, execution and monitoring of hundreds or thousands of individual feeds.
- Reusable feed templates and support for key partner processes.
- Connection and security management; encryption and compression options.
- Feed dependency management and scheduling.
- Logging, monitoring, alerting and error-code translation.
Underneath, each row in a partner feed is split into an individual transaction and runs through the same real-time rules engine that handles API and event traffic, so batch behavior is consistent with synchronous behavior.
Partner feed
Co-brand card, airline, hotel or coalition file on the partner's schedule
FeedXChange™
Template, connection, security, dependencies, schedule, monitoring
Real-time rules engine
Each row processed as an individual transaction with funding attribution
Ledger and settlement
Sub-balances updated; settlement and exports produced from lineage
Bring your partner contracts. We will show how they map to wallets, funding and settlement.
Book a financial controls reviewIn production
bp's Earnify program unifies 5 US brands in one loyalty and discounting program with 50+ integrated partners across 8,500+ bp and Amoco fuel locations. Once the schema is agreed, the bp team onboards new partners itself in four to five hours.
How this is measured
Integrated partners in bp Earnify at the as-of date.
How this is measured
Distinct physical sites transacting through ReactorCX integrations, each counted once. As of 2026-Q3.
Frequently asked questions
How does ReactorCX attribute points to a partner?
Points are tagged at the source (partner, location, channel, promotion) and tracked as sub-balances inside one unified member wallet, so every partner-funded accrual carries its funding source through burn, expiry and settlement.
How do coalition and co-brand partners integrate?
Primarily through FeedXChange™, which provides the configuration, connectivity, security, execution and monitoring layer for hundreds or thousands of batch feeds. Each row runs through the same real-time rules engine as API traffic.
Can partners fund offers and be billed on their own terms?
Yes. ReactorCX supports partner wallets, vendor funding, escrow concepts and date-relative co-marketing billing, with settlement produced from the same lineage as the member ledger.
Related: Financial integrity · Safe migration · Partner ecosystems solution · Documentation
Know that the partner numbers are right.
A Financial Controls Review walks finance and partner teams through attribution, burn order, settlement and the exports.