Providers of cashback, bonus and loyalty programmes must be legally compliant in the area of payments. As a BaFin-licensed payment institution, Novalnet offers legally secure and compliant processing of all financial transactions for such business models.
All licenses required – As a BaFin-licensed payment institution, Novalnet offers legally secure and compliant processing of all financial transactions.
Safe custody of the funds – It is ensured at all times that the funds are only paid out to the end customers for whom they are intended.
Automated allocation of payments – Increased operational efficiency combined with security and transparency through dedicated IBAN
With its insolvency-proof escrow accounts and BaFin licenses for the operators of cashback, bonus or loyalty programs, Novalnet processes all financial transfer transactions that fall under the German ZAG - simply and in full compliance with BaFin.
Providers of cashback, bonus and loyalty programmes must be legally compliant in the area of payments according to the German Federal Financial Supervisory Authority (BaFin). The receipt of funds from third parties (i.e. manufacturers) into the cashback provider’s own accounts and the payment of these funds from the cashback provider to the consumer are only permitted with the corresponding BaFin licenses (ZAG § 1 Abs. 2 Nr. 6). As a BaFin-licensed payment institution, Novalnet offers legally secure and compliant processing of all financial transactions for such business models as well as insolvency-proof and seizure-proof escrow accounts.
Providers of cashback, bonus or loyalty programs should address the issue of ZAG compliance now at the latest if not already licensed by BaFin.
With Novalnet, these providers already have a reliable, easy-to-integrate and modular payment solution platform that meets all requirements of their business models. Let our experts advise you now, free of charge, on how easy it can be to achieve full compliance with ZAG.
Fastest PCI-light path. Let customers opt to save details - HPP creates the token for you.
Integrate directly via API to manage saved payments within your own checkout flow.
Shopware, WooCommerce, Magento, Shopify, etc.
A cashback program rewards customers by returning a portion of their payment after purchase. It’s widely used in loyalty systems, fintech apps, and partner marketing to increase customer engagement and repeat sales.
Novalnet enables merchants and platforms to automatically calculate, track, and disburse cashback amounts in real-time or batch mode—directly to customer accounts or digital wallets—via a secure and compliant infrastructure.
Yes. Novalnet’s platform allows full automation of cashback workflows—from calculating eligibility and cashback percentages to issuing payouts—without manual reconciliation or development complexity.
Absolutely. Novalnet supports cashback processing for loyalty schemes, affiliate models, and card-linked rewards, making it ideal for marketplaces, banks, eCommerce platforms, and app ecosystems.
Yes. Novalnet provides detailed reporting, transaction-level cashback reconciliation, and real-time dashboards, ensuring full transparency for accounting, auditing, and customer service purposes.
As a BaFin-licensed payment institute, Novalnet ensures that all cashback transactions comply with PSD2, AML, GDPR, and other EU regulatory standards—whether funded from internal budgets or external partner contributions.
Yes. Novalnet enables full customization of cashback logic based on order value, product category, payment method, customer segment, or promo campaigns—with payout options ranging from SEPA transfers to e-wallet credits.
Your funds are always safe, stored in an insolvency-proof escrow account until paid out to you –always right on schedule.
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Simplify your e-commerce payment and accounting processes along with the added security, transparency, and accounts allocation capabilities of virtual IBANs.
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Bring an additional layer of protection to your subscribers by using tokenisation to process recurring payments without transmitting user data.
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Novalnet completes all internal checks swiftly and digitally — so activation can happen in days, depending solely on how quickly you provide the required documents and complete verification.
Create your account, add your company details, and get immediate access to the sandbox dashboard and API keys.
Upload your KYC documents, e-sign the contract, and complete video identification — all online. Our teams review all steps in parallel to keep the process moving quickly.
Switch to production credentials, run final test transactions, and start accepting payments from your customers worldwide.
Novalnet Ranked #1 at the E-Commerce Germany Awards 2026
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