Product · MultibrandPatented · US 12,597,048 B2 ↗

One card.
Multiple loyalty programs.

You choose which programs to offer. Customers choose where their card earns: one program, or a split across several. Adding a partner is a setting, not a new launch, and Cosmo provides the partner contracts, integration and settlement.

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Sample data
Multibrand · split rewards1 TAP · 2 PROGRAMS
Flight booking
contactless · online
$646.00
Split by the customer
646points
+ ADD PROGRAM
Airline program+323 pts50%
+ ADD PROGRAM
Hotel program+323 pts50%
+ ADD PROGRAM
Retail program+0 pts0%
POST /v1/transactions
201 split · 2 programs
SETTLEMENT consolidated
1 position · all programs

What is Multibrand?

Multibrand is Cosmo's patented technology that lets one card earn across several loyalty programs. The issuer picks programs from the network; each cardholder chooses one or a split, and can change it any time through Cosmo's widget or the issuer's own interface. A dual co-brand puts two partners on one card. No setup or platform fees, one disclosed markup per transfer.

Capabilities

Earning that follows the customer.

My loyalty profileSaved
Allocation100% of earn
Turkish Miles&Smiles50%
ALL Accor30%
Qitaf20%
Qatar Privilege Club+ Add
Spend $100→ earns across 3 programs
01

One card, every enabled program

One physical or digital card that earns in every program the issuer enables.

02

Loyalty profiles

Customers choose where to earn, one program or a split across several. The card applies it automatically.

03

Simultaneous earning

A single transaction can accrue to several programs at once, split by the member's own allocation.

04

Consolidated settlement

However many programs a transaction touches, the issuer settles one position covering all of them.

How it works

From integration to earning, in three steps.

1You · once

Integrate once

Integrate with the Cosmo REST API and embed the Multibrand widget. Minimal engineering for full network access.

REST APISandbox first
2You · once

Enable programs

Select which network programs your card supports, from the partner dashboard. A configuration, not a launch.

No new buildYou stay in control
3Customer

Customers choose where they earn

Every transaction earns according to the customer's loyalty profile — across each enabled program, automatically.

Member-controlledOne settlement
Worked example

What happens when a Multibrand cardholder sets a split?

An issuer enables four programs from the network on its card. A cardholder opens the issuer's app and decides to earn 60% in an airline program and 40% in a hotel program.

  1. 1

    The issuer opens the preferences surface

    Either the embeddable Multibrand widget, authorised with a short-lived widget token, or the issuer's own interface built on the same API.

    POST /v1/auth/widget/multibrand
  2. 2

    The cardholder picks a split

    The customer links their airline and hotel memberships and sets the allocation. The split is stored against the card and can be changed at any time; the next purchase uses the new split.

    PUT /program-connections { allocations: [60%, 40%] }
  3. 3

    Each purchase earns in both programs

    A single transaction accrues to the airline and the hotel at once, in the proportions the cardholder chose. The issuer makes one call; Cosmo issues into both programs.

    POST /transactions (split applied by Cosmo)
  4. 4

    Adding a fifth program is a setting

    The issuer enables another network program from the portal. No new integration, no new card product; cardholders simply see one more option.

    Portal: enable program

However many programs a month of transactions touched, the issuer settles one position covering all of them. Multibrand is protected by US patent 12,597,048 B2.

SecuritySOC 2 Type II · ISO/IEC 27001 · AWS, Frankfurt · field-level encryption of personal dataTrust and security
FAQ

Multibrand, answered.

What is a multibrand card?

A multibrand card earns rewards across several loyalty programs instead of just one. The issuer enables the programs, and the cardholder chooses where the card earns: one program, or split across several.

Is Cosmo's Multibrand technology patented?

Yes. Cosmo's Multibrand technology is patented in the United States under US 12,597,048 B2, titled Loyalty rewards exchange systems and methods and assigned to Cosmopoints Loyalty Tech Ltd. The patent is public on Google Patents.

How do I add a new loyalty program to a multibrand card?

You select which network programs your card supports from the Cosmo partner dashboard. Adding a program already on the network is a configuration, not a launch.

How do cardholders choose where their card earns?

Through Cosmo's embeddable Multibrand widget, or through the issuer's own interface built on the Cosmo API. Either way, cardholders set their earning preferences across the programs the issuer has enabled.

Further reading

Go deeper on Multibrand.

Partnerships & Use Cases · 5 min readHow Co-Branded Card Programs Work for IssuersThe single-partner model Multibrand extends: how a co-branded card program works for an issuer.Read article →Infrastructure & Technology · 5 min readBuilding a Loyalty Network That ScalesWhy one integration per partner stops scaling, and what a network has to do instead.Read article →Infrastructure & Technology · 5 min readCosmo: The Foundational Infrastructure for Loyalty EcosystemsThe shared infrastructure layer that lets one card earn across several programs.Read article →
Multibrand

The programs your
customers love. One card.

Give cardholders the rewards they actually want, without a new integration for each program.