Stored balance
A balance your customers can fund before they buy
Accrue Balance is a merchant-branded stored balance, loaded by ACH or card, spendable only with you. Hold deposits, rewards, gifts and returns. It all lives as one spendable number inside your experience.
- Your cash$10.00
- Rewards$5.00
- Gift$15.00
The problems it solves
You captured a transaction, not a relationship
Value lives in too many places
Gift cards in drawers, hard to understand point programs and returns going back to cards
You pay twice for the same customer
Acquisition, then reacquisition. Same person, full price.
Their money sits elsewhere
Their bank, their airline, even their coffee app holds a balance. Why not you?
Why it pays
Customers with a balance buy more, more often
4.1×
spend per customer paying with balance1
+26%
average order value with balance1
70%
of customers who fund their Balance buy again2
1.8×
repurchase rate when returns land as balance3
What you get
Cash, rewards, gifts as one spendable number
Auto-reload, recurring transfers, or one-time loads from a linked card, bank account, or digital wallet: their cash moves in on the terms they set.
New
New
New
New
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Claim now to see.
- Your cash$110.00
- Rewards$10.00
- Gift$115.00
New
New
- Your cash$110.00
- Rewards$10.00
- Gift$115.00
New
New
you a bonus!
- Your cash$110.00
- Rewards$15.00
- Gift$115.00
New
New
A durable, separated balance for every business entity in your program, not a line item in a pooled account.
Balance held
$42.8M
12,840 sellers
Moved this month
$124M
$102.6M previous period
Yield share, YTD
$856,000
indexed, varies daily
- Nomad GoodsLA-4821$19,020.00$380.40Active
- Wildgrain BakeryLA-4790$18,010.00$360.20Active
- Terra CeramicsLA-4763$18,010.00$360.20Active
- Coastal Candle CoLA-4744$9,600.00$192.00Active
- Loop ApparelLA-4712$23,400.00$468.00Active
What Accrue handles
Customers are your job. The rest is ours.
Sponsor bank & money movement
Funding-rail orchestration
Account administration
KYC orchestration
Fraud monitoring
PCI-compliant credential storage
Disputes & Reg E operations
Unclaimed-property handling
Double-entry ledger
Support escalation
Banking services are provided by Cross River Bank, Member FDIC.
Integration
Embedded in every channel, without a rebuild
SDK
WebMobileWebViewAn embedded wallet for your app and site. We render the balance UI, so you go live sooner.
Your balance
$128.40
Your cash $100.00 · Rewards $28.40
API
RESTHeadless over the API. You render the balance and control the whole interface.
{
"available": { "deposit": 4000,
"reward": 1250, "total": 5250 },
"pending": { "total": 1100 },
"reserved": { "total": 500 }
}Works with