Partner ecosystems on one ledger
ReactorCX is the enterprise loyalty platform for programs where partners fund, earn and redeem value: co-brand cards, fuel and grocery alliances, airline and hotel partners, franchise owners and vendor-funded offers. Every accrual is tagged to its funding source, partner wallets hold the value, and settlement runs from the same lineage that finance reconciles.
Partners want one program. Their finance teams want their own books.
A partner-funded offer is a receivable. A franchisee-funded redemption earned at another owner's store has to net out correctly. A co-brand issuer, a fuel partner and a dining partner each have their own settlement terms, their own rate changes and their own auditors. Programs that treat partner value as "just points" end the year in settlement disputes with no activity lineage to resolve them.
Source-tagged value, settled from lineage
- Partner wallets and sub-balances: funded value held per partner, venue, outlet or owner; sub-balances can run negative for an individual partner.
- Source attribution on every accrual: rule, partner, brand, currency, timestamp and expiry travel with the points.
- Vendor funding and escrow: hold or vest value until conditions are met, then release; vendor-funded offers managed and reconciled in the platform.
- Settlement and partner billing: funding and reimbursement allocated across partners with date-relative accuracy when rates change.
- Franchise settlement: reconcile funded value between independently owned stores and roll it up to headquarters.
Partner activity, from feed to settlement
Partner systems
Card issuer, fuel partner, dining partner, franchise POS.
FeedXChange
Ingests and normalizes activity in any format, real time or batch.
Activity engine
Earn or burn evaluated; accrual tagged to partner, brand, currency.
Partner wallet
Funded value and sub-balances updated per partner.
Settlement
Billing and reimbursement allocated; transaction-level export to finance.
Walk through your partner economics with the team that built the settlement model.
Book a financial controls reviewbp Earnify: five brands, dozens of partners, one program
bp runs one loyalty and discounting program that unifies bp, ampm, Amoco, Thorntons and TravelCenters of America across sites on different underlying systems, with integrated partners onboarded by the bp team. It is the clearest production example of partner economics running on one engine with attribution underneath.
How this is measured
Integrated partners in bp Earnify at the as-of date.
How this is measured
Fuel brands unified in the bp Earnify program on ReactorCX.
Partner capabilities by program type
| Program type | What has to work | ReactorCX capability |
|---|---|---|
| Co-brand card | Card-linked earn, tier recognition, issuer settlement | Co-brand card earn on a single instance; co-brand accrual on every linked-card purchase; issuer settlement and attribution |
| Coalition and alliance | Partner accrual, real-time partner burn, automated reconciliation | External partner earn and burn in real time; automated reconciliation; self-service partner onboarding through FeedXChange |
| Vendor-funded offers | Who pays for what, proven at line level | Vendor-funded offer management and reconciliation; source-tagged points for co-brand settlement |
| Franchise and dealer networks | Earn anywhere, redeem anywhere, owners' economics protected | One member database with cross-store earn and burn; settlement between owners; central, franchisee-funded or hybrid funding models |
| Multi-venue operators | One wallet on top, venue P&L underneath | Per-venue attribution and settlement; sub-balances that can run negative per venue |
| Marketplace rewards | Internal and externally fulfilled rewards in one catalog | Rewards catalog with external fulfillment tracked through the platform |
The financial model behind these capabilities is described on Financial Integrity; the integration mechanics in Integration Guides.
Partner ecosystem questions
How does ReactorCX settle partner-funded loyalty value?
Every earn and burn is source-tagged by partner, venue, outlet or channel. Partner wallets hold funded value, sub-balances can run negative for an individual partner, and settlement and partner billing allocate funding and reimbursement with date-relative accuracy when rates change. Transaction-level records export for reconciliation.
How do partners get their data into the program?
FeedXChange ingests and normalizes partner activity in any format, in real time or in batch, and keeps product, location and partner data current so new partners and offers flow into running promotions automatically. Partners can be onboarded through self-service.
Can a coalition or co-brand program run on ReactorCX?
Yes. ReactorCX supports co-brand card earn on a single instance, coalition-style partner earn and burn in real time, vendor-funded offer management and reconciliation, and escrow or vesting of value until conditions are met.
Know who funds what, and prove it at settlement.
The Financial Controls Review walks through liability, attribution, settlement and audit using your own partner rules.