Qurable vs CRM.COM: cashback and wallet platforms for banks in Latin America
Resources · Comparison
CRM.COM is a repeat-revenue platform that combines customer identity, wallets, billing and partner funding, according to its website. Qurable decides cashback and points inside the card authorization, in ~150 ms, with banks and fintechs live in Latin America.
- 01
When it is decided
- Inside or after the payment
- With measured latency
- 02
Who funds it
- Bank, merchant or both
- Each party's share
- 03
How it is reconciled
- States per benefit
- Reversals with entries
- 04
Who supports you
- Banks in your region
- Your language and time zone
Banks and fintechs, in production
Our banking and fintech clients already deliver cashback at payment with Qurable.
Pomelo, Santander Peru, Banisi and Konfío, among others. With Pomelo, banks, fintechs and companies that issue cards turn on loyalty and cashback without a separate technical project.
- ~150 msReward decisionInside the authorization
- < 50 msMember identificationp95, server-side
- 99.5%SLACommitted availability
- 18MMembersIn programs running on Qurable
Key takeaways
- This comparison uses only public data about CRM.COM, with source and date.
- Qurable decides cashback inside the card authorization, in ~150 ms.
- Qurable has banks and fintechs live in Latin America: Pomelo, Santander Peru, Banisi and Konfío.
The comparison
Two cashback platforms, two starting points.
A side-by-side summary for banks and fintechs. CRM.COM data comes from its website and documentation; sources are listed below the table.
| CRM.COM | Qurable | |
|---|---|---|
| Origin and focus | Repeat-revenue platform: customer identity, wallets and promotions, subscriptions and billing, and partner networks | Loyalty, cashback and payments platform built in Latin America |
| Banks in Latin America | Not published. Named deployments in Greece, Cyprus and Vietnam; it says it operates in more than 30 countries. In banking: Eurobank, with more than €250M in cashback for more than 4M cards, according to its website | Banks and fintechs live in the region: Pomelo, Santander Peru, Banisi and Konfío; programs in more than 6 markets |
| Team in the region | Not published | Sales, product, technical and implementation teams in Latin America, in Spanish and in the client's time zone |
| When the benefit is decided | Real-time rewards on card payments over the Visa and Mastercard networks, according to its documentation | Inside the card authorization, in ~150 ms, at the processor, POS or checkout |
| Who funds it | The bank, the merchant or both; promotion pools funded by partners | The bank, the merchant or another funder, with each share set per campaign; shares add up to 100% |
| What the customer gets | Money in its own eWallet, PSD2-compliant and EMI-grade, spendable online and in store | Cashback, points or both on the same purchase, to the account, the wallet or the card statement |
| Rules and caps | By product, category, time window or minimum spend | By MCC, merchant, terminal, amount, card brand and product, payment mode, segment and time window; caps by period and per person or account |
| Accounting | Not published | Double-entry ledger: states per benefit, idempotency, full or partial reversals and real-time liability |
| Merchant collection | Its website says it settles the money automatically between the parties | Qurable calculates each merchant's share and generates the collection at each close; the bank executes it. Merchant portal with funded, paid and pending amounts |
| Integration | REST API and MCP server; integrations with Stripe, Revolut and PayPal; Shopify and WooCommerce plugins | REST API, signed webhooks, SDK and white-label components; already connected at clients with Pomelo, MODO, Mercado Pago and Stripe; implementation in 1 to 3 months, in phases |
| AI and analytics | AI assistant, personalization and MCP server | AI decision engine that segments and personalizes the benefit; assistant that drafts campaigns with human approval; MCP server |
| Pricing | Not published; offers a free start | On request |
Sources on CRM.COM: CRM.COM website, home (accessed 10/13/2026) · CRM.COM website, eWallets and promotions (accessed 10/13/2026) · CRM.COM documentation, Payment-linked Multi-Merchant Rewards (accessed 10/13/2026)
CRM.COM is a trademark of its owner. This comparison uses public information available as of October 13, 2026. «Not published» means we did not find the data in CRM.COM's public sources. If something is out of date, write to us and we will correct it.
When each one fits
The choice depends on where your bank operates.
The difference is when cashback is decided, who funds it, where the money sits and who supports the bank.
Cashback belongs in the payment
You want it decided inside the authorization and shown on the same payment.
The bank and merchants fund it
With each funder's share per campaign and every contribution recorded.
Cashback and points together
On the same purchase, in your program or a partner brand's.
Finance needs to reconcile
States per benefit, idempotency, reversals and real-time liability.
You operate in Latin America
Banks and fintechs live in the region and a team in your language and time zone.
You want a phased rollout
Implementation in 1 to 3 months, starting with a measured use case.
You want your own money wallet
Its cashback sits in a PSD2-compliant, EMI-grade eWallet, according to its website.
You bill subscriptions
It adds recurring billing for video, media and telecom, according to its website.
You operate in Europe
Its named banking deployments are in Greece and Cyprus, such as Eurobank.
Integrate with your stack
CRM, marketing, POS and ecommerce, without replacing what already works.
See it all in production
Ask for named cases in your industry and country, not just logos.
Measure against a control group
To know how much more the program sold, not just how many rewards it gave.
By industry
Programs that already run on Qurable.
Named clients in every industry we serve, with the cases we have published.
Fuel retail
Shell Box and ON by Axion Energy
The Shell Box and ON by Axion Energy programs run on Qurable in Argentina.
- Result
- ON: 550,000 monthly active users.
Restaurants and QSR
Mostaza's MostaClub
A program launched in three countries at once, with the reward applied at the register.
- Markets
- Argentina, Uruguay and Paraguay.
Airlines
SKY Plus, by SKY Airline
Points, missions, three tiers and more than 70 partnerships on a single platform.
- Market
- Chile.
Banks and fintechs
Pomelo, Santander Peru, Banisi and Konfío
Cashback and points decided inside the card authorization. At Pomelo, Qurable works as a white-label platform: clients always operate from Pomelo's console.
- Status
- Live.
Multi-brand retail
TRIBU, by Grupo Dabra
One program for Dexter, Moov and Stock Center, in store and online.
- Result
- More than 1 million members in the first year.
Travel rewards
Credit Union Travel
A white-label travel rewards platform for credit unions, built on Qurable.
- Market
- United States.
How to evaluate
Six questions to choose a cashback platform.
Use them to compare Qurable, CRM.COM or any other cashback platform in an RFP.
When is cashback decided?
Inside the authorization or days later, and with what measured latency.
Who can fund it?
Only the bank, only merchants or both, with each share recorded.
How is cost controlled?
Caps by period and per person or account, enforced before the benefit is granted.
How is it reconciled?
States per benefit, idempotency and reversals with entries.
Does it have live banks in my region?
Ask for named cases in your country.
How long does it take to go live?
With a phased plan and a first measured use case in production.
Built in Latin America
A team in the region, from sale to operations.
The people who sell, design the product, implement it and run it with your team are in Latin America. Product decisions are made around the region's payment methods, POS systems and currencies.
Sales
Account executives in Argentina and Chile, and soon in Mexico.
Product
A roadmap built for the region: local POS systems, wallets and processors such as MODO, Mercado Pago and Pomelo.
Loyalty at the POS and checkoutTechnical and implementation
Engineering and support in Spanish and in your time zone; live in 1 to 3 months.
How to migrate your programMultiple countries and currencies
One program with rules, currencies and liability per country.
Enterprise loyalty in Latin America
Questions
What people ask about Qurable and CRM.COM.
Short answers for benefits, cards, technology and procurement teams at banks and fintechs.
CRM.COM combines customer identity, wallets, subscription billing and partner funding, and keeps cashback in its own eWallet, according to its website. Qurable decides cashback and points inside the card authorization, in ~150 ms; credits it to the bank's account, wallet or statement; records every benefit on a double-entry ledger, and has banks and fintechs live in Latin America.
Not published. Its named deployments are in Greece, Cyprus and Vietnam, and it says it operates in more than 30 countries. In banking it publishes the Eurobank case, with more than €250M in cashback for more than 4M cards.
On CRM.COM, into its own eWallet, spendable online and in store, according to its website. On Qurable, wherever the bank sets per campaign: the account, the wallet or the card statement. Qurable does not move funds: the bank executes the credit.
On both, the bank, the merchant or both can fund it. On Qurable, each campaign sets every funder's share and the ledger records each party's share on every benefit.
Pomelo, Santander Peru, Banisi and Konfío offer cashback and points at payment with Qurable. With Pomelo, banks, fintechs and card issuers turn on loyalty and cashback without a separate technical project.
No. Qurable decides and records the benefit and integrates with the bank's core, CRM and systems through APIs and signed webhooks.
Qurable goes live in 1 to 3 months, in phases, starting with a first measured use case. CRM.COM: Not published.
Yes. Migration moves balances and rules from another platform without losing balances, running in parallel before the cutover.
Last reviewed
Further reading
Keep reading before choosing a platform.
Guides to build a cashback shortlist for banks.
- PlatformCashback at payment for banks
How it is decided, credited and reconciled inside the authorization.
- ResourceMerchant-funded cashback
How each campaign is split, recorded and collected.
- ResourceCard-linked offers versus payment loyalty
What changes when the benefit is decided inside the payment.
- IndustryLoyalty for banks and fintechs
Card cashback and points, with live cases.
Compare against your case.
In a 45-minute technical session we show how Qurable solves your program, with a case from your industry.