FIS®Premium Payback

Let cardholders turn their rewards points into money-saving currency right at the point of sale.

Premium Payback™ : Card Rewards Play Video


When customers can use reward points to save money at checkout, you both win

Customer loyalty programs are only impactful if customers see value from them. With Premium Payback™, cardholders see their rewards pay off every time they use your card.

As soon as your cardholders pay in-store or online at participating retailers, they’ll see an on-screen message: “Would you like to redeem ‘X points’ with this purchase?” They can choose whether to use their points to save money on their purchase, and you keep giving them reason after rewarding reason to use your card.

How Customers Enrolled in Premium Payback Respond



rated experience as “good” or “very good”



redeemed points 2+ times in one year



increase in customer spending

Real-time rewards

Show that your customer loyalty programs deliver real value.

Increased card use and loyalty

Give cardholders a reason to choose your card every time.

Stronger brand recognition

Align your brand with thousands of participating Premium Payback™ retailers.

No redemption hassles

Cardholders automatically see a redemption offer when they pay with their card – no signups or apps required.

Reduced costs

Reduce costs of customer loyalty programs and increase profits.

Our Clients

PayPal scales Pay with Rewards with FIS Premium Payback

Cardholders of thousands of financial institutions participating in FIS’ Premium Payback™ customer loyalty programs network can use points to pay for their online purchases at millions of PayPal merchants.

Download case study

The combination of FIS’s wide-reaching loyalty program and PayPal’s network of 24 million global merchants will enable millions of additional cardholders to use loyalty points for PayPal purchases. Jim Magats SVP, Global Payments, PayPal

Our Clients

Walgreens Taps Into the Power of Real-time Rewards

Walgreens customers can choose to “pay with points” at the point-of-sale after they’ve dipped, swiped or tapped their eligible card.

Read Article

By integrating FIS Premium Payback™ into its in-store payments network, Walgreens is taking a bold step to bring new levels of savings and value to its customers and drive return shopping. Bruce Lowthers FIS president

Our Clients

Shell Customers Get Rewarded at the Pump

In a joint initiative with Excentus, consumers instantly redeem loyalty points for savings on fuel purchases at about 13,400 Shell-branded stations nationwide.

Read Press Release

With a single swipe of a payment card, FIS Loyalty program customers will be able to turn their points into savings on quality Shell fuel, delivering real-time value at the pump while encouraging future visits. Brian JeffersonSVP, Business Development, Excentus


Five Ways to Encourage Loyalty

Make sure your loyalty program aligns with customer expectations for immediate rewards and tells the right story about your brand.


Offer clear benefits


Reduce checkout friction


Build on your brand story


Experiment with creative approaches


Include only features they’ll use


Payments One Credit Suite

Streamline and simplify your credit card processing and management on a flexible, end-to-end platform

Payments One Debit Suite

Streamline and optimize your debit card management with a flexible, end-to-end platform.

FIS Prepaid Solutions™

Offer a convenient and secure alternative to cash or checks with single-load and reloadable prepaid products, and custom and packaged programs.