Cosmopoints - 2026 Pricing, Features, Reviews & Alternatives

Cosmopoints is a cloud-based reward issuance infrastructure that functions as a clearinghouse for cross-program point issuance, exchange, and reconciliation. Delivered via a RESTful API suite, it connects financial institutions, including retail banks, digital wallets, and credit card issuers, to a global loyalty network through a single API integration, a single contract, and a unified settlement layer. Core capabilities include real-time point exchange between reward programs, co-branded card partnership launches without rebuilding existing technology stacks, and multi-program reward splitting that links a single card to multiple reward currencies. A sandbox environment supports integration testing prior to production deployment, and embeddable purchase and multibrand widgets are available for web and mobile applications via iFrame and WebView. SOC2 Type II compliance is built in.

Cosmopoints targets enterprises in financial services, travel and hospitality, and retail loyalty, serving both guided-onboarding enterprise clients and developer teams integrating via self-serve API. The platform standardizes commercial agreements across all partner programs, eliminating the need for repeated bilateral negotiations and custom builds per partner. Partner and campaign controls allow transfer rules, point campaigns, and partnership management to be configured without new deployments. Automated reconciliation and built-in settlement and billing consolidate what would otherwise require manual processes across multiple counterparties.

Consolidated reporting surfaces volumes, transaction counts, and partner performance in a single dashboard, replacing manual aggregation across programs. The clearinghouse model reduces unredeemed point liability and provides real-time data insights into cross-brand consumer behavior. Adding new loyalty programs to the network requires no additional technical integration, and the modular architecture allows the technology layer to be adopted independently while retaining existing commercial agreements.