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Create Reward Earn Rule

Overview

You can use Highnote's rewards feature to create a rewards program for your card product. The rewards feature works by using configurable reward earn rules. Once you attach a reward earn rule to your card product, account holders can earn rewards. They can then redeem these rewards through reward redemptions.

Reward earn rules define how account holders earn rewards points. Highnote supports two types of reward earn rule configurations:

  • MCC-based reward earn rules: Earn rewards for dollars spent at specific MCCs
  • Default reward earn rules: Earn rewards for transactions that don’t qualify for specific earning rules

You can use both MCC-based and default reward earn rules to create a robust rewards system. For example, you could use MCC-based earn rules to offer 3% cash back on travel. Then, you could use default earn rules to offer 1% cash back on everything else.

Note the following guidelines when creating an MCC-based earn rule:

  • If a card product uses both MCC-based and default earn rules, Highnote prioritizes the MCC-based earn rule
  • You can't create two different MCC-based earn rules with the same MCC (ex: a restaurant with 3% cash back and a different restaurant with 2% cash back)

Enable the feature

To offer rewards for your card product, you must contact support@highnote.com to request access to the feature. The feature is enabled in the test environment by default for all consumer revolving credit card products.

To use the feature for your card product(s) in the live environment, you must complete the following requirements:

  • Work with your Highnote Implementation team to define your reward program's policies and rules.
  • Get your rewards program approved by Highnote and the Partner Bank.
  • Once approved, work with your Highnote Implementation team to configure your reward earn rules and redemptions in your live environment.

The test environment allows you to fully test the feature before going live.

Reward point earnings

When creating reward earn rules, you must set reward point earnings. Reward point earnings set your reward rate. For example, if you set a reward point earning of 2, your account holders will earn 2 points for every $1 spent.

Highnote rounds down fractional reward points. For example, with a point earning rate of 1.5, a cardholder who spends $11 on a transaction would earn 16.5 reward points. Highnote rounds this number down to 16 reward points in the reward points ledger.

Create MCC-based reward earn rule

Note: Once your rewards program is approved, the Highnote team will assist with creating reward earn rules in the live environment.

Use the following mutation to create an MCC-based reward earn rule in the test environment. Adjust the rewardPointEarning rate according to your own reward point logic:

Create default reward earn rule

Note: Once your rewards program is approved, the Highnote team will assist with creating reward earn rules in the live environment.

Use the following mutation to create a default reward earn rule in the test environment. Adjust the rewardPointEarning rate according to your own reward point logic:

Attach reward earn rule to card product

Note: Once your rewards program is approved, the Highnote team will assist with attaching your earn rules to your card product(s) in the live environment.

After creating a reward earn rule, you must attach it to a card product. This allows all account holders for that card product to start earning rewards.

Use the following mutation to attach a reward earn rule to a card product in the test environment:

Update reward earn rule

Warning: When updating the effectiveThrough date, the data must be now or in the future.

If a rule needs to be “deactivated” from earn reward points, the attachment’s effectiveThrough date can be updated to stop earning points at a given time.

Use the following mutation to update the attachment between the reward earn rule and the product in the test environment:

Find reward earn rule

You can query for a reward earn rule to display it in your website or application. You can query for a reward earn rule using the following methods:

  • via reward earn rule ID
  • via card product ID
  • via organization ID

via reward earn rule ID

Use the following mutation to query for a reward earn rule using the reward earn rule ID:

via product ID

Use the following mutation to query for a reward earn rule using your card product ID:

via organization

Use the following mutation to query for a reward earn rule using your organization ID:

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