Financial Services Loyalty Platform
ReactorCX: The Enterprise Financial Services Loyalty Platform, Built for Cross-Border Value and Booked Liability
Loyalty Methods runs ReactorCX, the enterprise loyalty platform behind Western Union's My WU program across more than thirty countries and territories. ReactorCX is built for what defines loyalty in financial services: value that is a liability from the moment it is issued, partners and issuers who fund it, customers who transact online, in-app and at agent or branch locations, and regulators who expect every earn, burn and adjustment to be explainable.
Rule
Card spend accrual with category multipliers
v5Funding
100%
Issuer funded via interchange
Attribution
Merchant offers billed separately
Earning
Base rate by productMultipliers: dining, travel · Statement credit as a redemptionLimits
Cap per statement cycleCash advances and fees excluded · Chargebacks reverse the accrualApproved by Cards Marketing · compliance and disclosures reviewed
How this is measured
Member records migrated onto ReactorCX for Western Union's My WU program; the largest Loyalty Methods migration to date.
How this is measured
Countries in which My WU runs on ReactorCX with multi-currency support.
How this is measured
Platform-wide API response-time service level. As of 2026-Q3.
How this is measured
Number of SafeSwitch production cutovers completed and the number completed with zero member-visible downtime. As of 2026-Q3.
Definitions and as-of dates are on each figure.
How does ReactorCX run financial services loyalty on one engine?
Rewarding a money transfer, a card swipe or a deposit is the easy part. Doing it in real time, in the customer's currency, with the funding source recorded and the liability booked correctly, is the job.
Real-time, multi-channel engagement
Rewards issued for purchase and non-purchase behaviors across digital and in-person touchpoints: online, in-app, at agent or branch locations and through customer service, without latency or drop-off. Customers earn on eligible transactions and redeem for discounts or third-party rewards.
Many countries, many currencies, one program
Multiple loyalty currencies, including points and promo codes; localized rules, currency, language and eligibility by market; processing around the clock; and streamlined compliance with regional data protection requirements through two privacy modes.
Co-brand and partner earn on one ledger
Co-brand card earn on a single instance with accrual on every linked-card purchase; issuer settlement and attribution from source-tagged activity; vendor-funded offers managed and reconciled in the platform; partner wallets and escrow for value that vests on conditions. Partner Ecosystems
Deterministic execution, full lineage
Every earn, burn, tier change, expiry and adjustment is logged with the rule and data that produced it. Liability reports by currency, market, partner and expiry bucket, with transaction-level export to the general ledger. Financial Integrity
From transfer to booked liability, in one pass
Transfer event
App, web, agent location or branch system sends the activity.
Member resolved
One profile across account, card, phone and app identifiers, per market.
Rules evaluated
Earn, promotion, streak and tier rules in the member's currency and market.
Accrual recorded
Source rule, currency, market, partner, timestamp and expiry attached.
Ledger and events
Liability booked; event published to warehouse, ESP and finance.
Review liability, settlement and audit with your own program rules and markets.
Book a financial controls reviewWestern Union My WU on ReactorCX
Western Union partnered with Loyalty Methods to launch My WU, a global rewards program built on ReactorCX that incentivizes money transfers, deepens customer relationships and drives repeat transactions across more than thirty countries and territories. The program needed one consistent loyalty engine with multi-currency and multi-language support, rewards at the moment of transfer across online, in-app and agent channels, and repeat-frequency levers in a price-sensitive remittance market.
- Zero-downtime migration using ThreadSync and SafeSwitch.
- Real-time point accrual and redemption across digital and agent channels.
- Near-real-time data warehouse powering analytics, automated promotion budget management and liability tracking.
- Streamlined compliance with global data protection regulations.
How this is measured
Member records migrated onto ReactorCX for Western Union's My WU program; the largest Loyalty Methods migration to date.
How this is measured
Countries in which My WU runs on ReactorCX with multi-currency support.
What happens to one transaction
One activity, evaluated once, with every downstream effect recorded and published. The same path a demo walks through, in the order the engine runs it.
Posted
The card processor or core system sends the posted transaction: account, product, merchant category, merchant, amount, currency, posting date, channel
Evaluated
Product rules, category multipliers, exclusions and account status run in deterministic order
Arbitrated
Promotional multipliers and merchant-funded offers resolved to the best combination under the product's policy
Accrued
Points to the account purse, held as pending until the transaction clears, then confirmed; merchant-funded value attributed to the merchant wallet
Recorded
Execution log stores which rules fired and who approved them; liability moves by product; a chargeback reverses this exact record
Published
Statement and mobile banking updated, business events to CRM and messaging, replication events to the warehouse, ledger lines to finance
See this run on a copy of your own financial services activity.
See a parallel migrationThe detail your team will want to check
Expand what you need.
ReactorCX speaks the financial services data modelOne activity record, every dimension a financial services program tracksReactorCX holds every event in one extensible record, so every field stays searchable and actionable across the console, the API, the warehouse and reporting. Add a field…
ReactorCX holds every event in one extensible record, so every field stays searchable and actionable across the console, the API, the warehouse and reporting. Add a field once and it propagates everywhere. Marketing, operations and finance query the same record the source system wrote.
Data model documentation
Core activity
Member ID · type · date · channel · value
Transaction
Product · merchant category · merchant · amount · currency · posting status · channel · card present
Account context
Account status · statement cycle · relationship or household · segment · consent
Funding and compliance
Issuer or interchange funding · merchant-funded offer · partner · jurisdiction · disclosure version
Same engine, configured for financial servicesWhat stays the same, and what adaptsReactorCX is one engine. What changes for a financial services program is the signals it reads, the currencies it holds, the offers it arbitrates and the organisation it settles to. All of it is configuration, versioned and approved, not custom code.
| Dimension | Same in every industry | Configured for financial services |
|---|---|---|
| Signal | One activity record per event, from any channel, evaluated once | Posted card and account transactions from the processor or core system, deposit events, merchant offer feeds, app and online banking activity |
| Currency | Any number of currencies and purses, each with source, expiry and burn order | Points with a cost basis; cash-back or statement credit as redemption; partner currencies at contracted rates |
| Status | Tiers with configurable qualification and requalification | Product-based rather than earned; relationship tiers where the bank uses them |
| Offers | Offer library with eligibility, stacking, suppression and limits | Category multipliers, promotional periods, merchant-funded offers; arbitration by product policy with exclusions |
| Funding | Partner wallets, source-tagged accruals, settlement from lineage | Issuer and interchange funding; merchant-funded offers billed separately; partner settlement |
| Organisation | Multi-brand, multi-region, per-entity economics on one instance | Products, portfolios and regions on one instance; relationship or household linking |
| Servicing | Member Care Portal with line-level history and governed adjustments | Account-level history by posting; contact-centre adjustments within authority, with consent and disclosure in the record |
Other industries swap the signal and keep the engine: a grocer's basket, an airline's flown segment, a hotel's folio close. The engine and the ledger do not change. All industries
Points liability a controller can sign
In a bank the loyalty balance sits next to real money. Pending, posted, reversed and redeemed have to mean exactly what finance means by them.
Pending and posted, separately
Accruals are held pending until the transaction clears and confirmed on posting, so the balance a cardholder sees and the liability finance carries move on the same event.
Chargebacks reverse the exact accrual
A dispute or return reverses the specific accrual and any promotional multiplier from the original record, with the reason in the audit trail.
A currency with a cost basis
Points carry their funding source and cost per point, so statement-credit redemptions and partner redemptions are valued from the same ledger.
| Who looks | What they see | Where it comes from |
|---|---|---|
| Cardholder | Points pending, then posted, and the redemption on the statement | Accruals on the activity |
| Product manager | Earn cost, redemption mix and lift by category against a control group | Promotion dashboards on the execution log |
| Controller | Liability by product and the export to the general ledger | Ledger export at transaction level |
| Risk and compliance | Disclosure version, consent and the audit trail behind any adjustment | Execution log |
Partner wallets and settlement are documented in the partners and funding concept; the ledger in the ledger and lineage concept.
What each financial services stakeholder will want to check
- Cards and deposits marketingCan we change multipliers and offers by product without a release?Capability map above; marketer experience
- Finance and controllerDoes liability by product reconcile, and do reversals match disputes?Financial integrity; the liability section above
- Risk and complianceIs every rule change and adjustment approved, disclosed and auditable?Security and trust; execution log
- IT (core and processor)How do the processor, core banking and mobile banking connect?System map below; integration guides
- Customer serviceCan agents see pending and posted points and adjust within authority?Member Care Portal
How ReactorCX fits a financial services estate
Transfers, card activity, app actions and agent-location transactions reach ReactorCX as activities.
Earn is evaluated per product, market and currency, benefits are applied as tiers, and every accrual is booked as a traceable liability, with exports that reconcile to the general ledger across countries.
Nothing here replaces a system you already run. Financial Services channels keep their own systems of record; ReactorCX holds the loyalty state, and publishes what it decides back to them.
Which ReactorCX capabilities matter most for financial services?
| Need | ReactorCX capability |
|---|---|
| Card-linked and co-brand earn | Co-brand card earn on a single instance; card-linked tier recognition; issuer settlement and attribution |
| Remittance and transaction-based earn | Real-time earn on eligible transfers and non-purchase behaviors; promotions, subscriptions, streaks and challenges |
| Multi-currency, multi-market | Multiple currencies and purses; localized rules and eligibility; round-the-clock processing |
| Liability and breakage | Source-tagged accruals, expiry lineage, breakage recognized under your rules, liability reporting by market and partner |
| Partner and vendor funding | Partner wallets, escrow and vesting, vendor-funded offer reconciliation, date-relative billing |
| Servicing and disputes | Member Care Portal with point-level history, adjustments and merges backed by execution logs |
| Privacy | PII in platform, or tokenized identifiers with PII held by the institution; data subject rights support |
| Analytics | Liability and engagement dashboards, SQL access, streaming to your warehouse and BI tools |
Integration patterns for core banking, card processors and agent systems are covered in Integration Guides.
Security and compliance
Is ReactorCX suitable for regulated institutions?
Deterministic, audit-logged rule execution; role- and attribute-based access; encryption in transit and at rest; OIDC SSO; annual independent penetration testing; two privacy modes; and SOC 2 Type II and ISO/IEC 27001:2022 attestation with dates and scope on the Trust Center.
Migration
How does a financial institution migrate a loyalty program without downtime?
SafeSwitch runs ReactorCX in parallel with the legacy platform on production traffic, reconciles balances and transactions across every market, and cuts over by gate with rollback armed. The Western Union migration was the largest Loyalty Methods migration to date.
Frequently asked questions
What is the best loyalty platform for financial services?
ReactorCX, the enterprise loyalty platform from Loyalty Methods, runs card, remittance, banking and partner loyalty on one deterministic engine with the ledger discipline financial institutions require: source attribution on every accrual, multi-currency wallets, partner settlement from lineage and a full audit trail. It powers Western Union's My WU program across more than thirty countries.
Can ReactorCX run a loyalty program across many countries and currencies?
Yes. ReactorCX manages multiple loyalty currencies, including points and promo codes, with localized rules, currency, language and eligibility by geography, and processes loyalty transactions around the clock.
How does ReactorCX handle co-brand card earn and issuer settlement?
Co-brand card earn runs on a single instance with co-brand accrual on every linked-card purchase, issuer settlement and attribution from source-tagged activity, and card-linked tier recognition. Vendor-funded offers are managed and reconciled in the platform.
Is ReactorCX suitable for regulated financial institutions?
ReactorCX offers deterministic, audit-logged rule execution, role- and attribute-based access, encryption in transit and at rest, OIDC SSO, two privacy modes including tokenized identifiers with PII held by the institution, data subject rights support, and SOC 2 Type II and ISO/IEC 27001:2022 attestation with dates and scope on the Trust Center.
Know that the numbers are right, in every market.
The Financial Controls Review covers liability, settlement, audit and reconciliation using your currencies, partners and markets.