The Spending Power Network

Everyone gets more.
No one pays extra.

Gratitudes are increased spending power customers receive when they pay everyday bills from participating companies and can use as part-payment at participating businesses.

For Merchants → For Issuers
$0
Cost for merchants to join
100%
Of bill value returned as buying power
3
Stakeholders, all better off
How it works

One network. Three stakeholders.
Everyone wins.

Issuers
Telcos, Insurers, and Utilities

Issue Gratitudes when customers pay their everyday bills - turning household expenses into spending power.

Explore for Issuers →
Consumers
Households

Receive Gratitudes when they pay their bills and use them as part-payment at participating businesses..

Learn how consumers benefit →
Redeemers
Retailers & Service Providers

Accept Gratitudes as part-payment, attracting customers who arrive with increased spending power. — zero fees, zero acquisition cost.

Explore for Redeemers →
For Consumers

Your bills just got more valuable.

Every time you pay your energy bill, insurance premium, or phone plan, you earn Gratitudes — value-back you can spend at local businesses in your area.

✦
Automatic — no sign-up required
Your bill provider handles everything. Gratitudes appear when you pay your bill.
→
Spend locally, not just online
Use Gratitudes at participating cafés, retailers, and service businesses near you.
$
Real value, not loyalty points
Gratitudes reduce what you pay at the counter — they're spending power, not discounts that expire.
Example transaction

$60 clothing purchase

Transaction value$60.00
Gratitudes applied (15%)− $9.00
Customer pays$51.00
Merchant's acquisition cost$0
Live Pilot Starting Now

Western Sydney is first.

We're building the Spending Power Network in Western Sydney. If you're a local merchant, join today — it's free.

See the Western Sydney pilot → Join as a merchant