Built for Performance
Rakuten Card Linked Offer Network helps financial institutions, retailers, and publishers grow revenue through secure, scalable CLO solutions.
Banks & Financial Institutions
Financial institutions face increasing pressure to differentiate their products, deepen customer relationships, and deliver value—all while maintaining the highest levels of compliance. RCLON helps banks enhance their card programs with merchant-funded rewards that drive more frequent card usage and boost retention.
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Enterprise-Grade Security
Built with PCI Level 1 compliance, certification, and fraud prevention to ensure trust and meet the highest standards of data protection.
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Increase Cardholder Engagement
Enables financial institutions to provide valuable cardholder incentives without increasing costs through merchant-funded rewards.
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Secure Transaction Tracking
Access actionable transaction data to better understand cardholder behavior and optimize engagement strategies.
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Seamless Integration
Supported API integration and access to experienced engineering team to ensure successful integration.
Retailers & Advertisers
In a privacy-first landscape, retailers and advertisers are searching for scalable, ROI-driven ways to engage real buyers. RCLON enables you to connect with high-intent audiences through card-linked offers that require no technical setup, only pay on conversion, and deliver measurable results across digital and in-store channels.
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Intent-Based Activation Model
Only pay for sales driven by members who have actively “clicked to activate” your offer—ensuring spend is tied to genuine consumer interest and measurable conversions.
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Omnichannel Reach
Distribute offers across top-tier banking apps, travel platforms, and lifestyle publishers—both in-store and online.
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Flexible Reward Structures
Choose from cashback, points, or miles and tailor offers based on campaign goals such as budgets caps and spend thresholds —giving you more control to optimize performance and marketing spend.
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Tech-Free Integration
Launch card-linked campaigns without tech resources or complex setup—no tech resources are required to get an offer live.
Publishers & Digital Platforms
RCLON empowers publishers with a performance-based revenue model that goes beyond traditional ads, offering a breadth of evergreen, high-value merchant-funded incentives, exclusive direct-merchant content, and an expansive advertiser network across industries, all seamlessly integrated through a frictionless API for effortless implementation.
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Breadth of Offers
Fill the wall with evergreen offers to provide valuable incentives across industries to members every time they login.
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Direct-Merchant Content
RCLON has direct long-standing relationships with retailers to provide exclusive offers and rewards at scale.
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Performance-Based Revenue
Earn commissions on offer redemptions rather than relying on traditional CPM or CPC models.
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Seamless Integration
Easily embed card-linked offers through our API with minimal dev lift or disruption to your platform.
How It Works
We make it seamless - from click to reward.
Link Offer To Card
The member clicks to activate an offer and links it to their card.
Ready To Shop
They shop like normal-online or in-store-with their linked card.
Process Verified Purchases
Once the transaction settles, RCLON securely processes it.
Member Gets Rewarded
Client posts reward to member's account after earnings file is sent.
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Link Offer To Card
The member clicks to activate an offer and links it to their card.
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Ready To Shop
They shop like normal-online or in-store-with their linked card.
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Process Verified Purchases
Once the transaction settles, RCLON securely processes it.
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Member Gets Rewarded
Client posts reward to member's account after earnings file is sent.
