AI infrastructure for modern card and rewards programs.
Roman Rewards unifies intelligent personalization, card issuance, and rewards fulfillment in one platform.
Trusted by Leading Financial Institutions
4 of the Top 5
North American Financial Institutions
80B+
Reward Points Processed
2M+
Products Available
A growing class of private banks and wealth managers are building next-generation card programs on the Roman Rewards platform.
One Rewards Platform.Built for every Enterprise Growth Motion.
Roman Rewards powers loyalty, incentives, and payouts across customers, partners, employees, and financial institutions; all through configurable, enterprise-grade storefronts.
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AI Personalization & Marketing
Machine learning-driven recommendations, targeted campaigns, predictive analytics, and omnichannel outreach. Turn every interaction into engagement.
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Program Rules
Flexible rule engine for earning, redemption, and tier management across every channel.
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Channel & Partner
Manage incentive programs across distribution partners, agents, and indirect sales channels.
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Customer Loyalty
Track spend, engagement, and transaction data to power personalized loyalty journeys.
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Apple Store
Authentic Apple shopping integrated into your program. Latest products within days of launch.
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Merchandise
AI-curated access to over two million items with intelligent, split-tender checkout.
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Gift Cards
Over 400 options from leading brands. Fully managed supplier relationships.
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Travel & Experiences
Full-service travel agency. Flights, hotels, cruises, activities. Pay with points.
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Compliance & Security
PCI DSS, SOC 2 Type II, ISO 27001. Built to meet top-tier bank vendor requirements.
AI-Powered Engagement
Personalized marketing.Automated outreach. Measurable ROI.
Roman Rewards uses machine learning and behavioral intelligence to deliver the right offer, to the right cardholder, at the right moment. Every interaction is an opportunity to deepen engagement and drive program performance.
AI-Powered Recommendations
Machine learning models analyze transaction history, browsing behavior, and redemption patterns to surface personalized product and reward recommendations for each cardholder.
Core PlatformTargeted Campaign Engine
Build and deploy segmented marketing campaigns based on spend categories, engagement tiers, lifecycle stage, and custom attributes. Automated triggers for milestone events, dormancy re-engagement, and seasonal promotions.
Core PlatformPredictive Analytics & Insights
Identify at-risk cardholders before they disengage. Predictive models flag churn risk, high-value growth opportunities, and optimal offer timing to maximize campaign ROI.
Core PlatformOmnichannel Outreach
Coordinated messaging across email, push notifications, in-app, and SMS. Personalized content delivered through your brand voice with full performance tracking and A/B testing.
Core PlatformDynamic Offer Optimization
AI continuously tests and optimizes reward offers, earn multipliers, and promotional mechanics. Automated adjustment based on response rates, redemption velocity, and margin targets.
AdvancedCustomer Segmentation Engine
Behavioral clustering that goes beyond demographics. Segment cardholders by spending DNA, channel preference, redemption style, and lifetime value trajectory for precision targeting.
Core PlatformConfigurable Reward Storefronts for Every Use Case
Roman Rewards enables fully branded, enterprise-grade storefronts for travel, experiences, merchandise, gift cards, and the Apple Store managed centrally with full control and governance.
↓ Explore our storefronts
Deliver AI-optimized shopping options within your program experience.
- ✓AI-curated access to over two million merchandise items
- ✓Intelligent checkout supporting loyalty currency, cash, and split-tender payments
- ✓Easy integration and customization to align with program rules and policies
A New Class of Rewards
Rewards that build wealth,not just redeem it.
Roman Rewards goes beyond points and perks. Our platform routes cardholder earnings directly into investment accounts, donor-advised funds, and savings vehicles — transforming everyday spending into long-term financial value for your most valuable clients.
Wealth-Integrated Reward Sweeps
Automatic routing of reward earnings into investment accounts, savings, 529 plans, trusts, and donor-advised funds. Available for select financial institution partners.
Select PartnersCharitable Giving Card Programs
Configurable split-rewards architecture directing a portion of interchange economics to nonprofits. 100% charity, 50/50 split, or tiered giving models. Perpetual fundraising built into every transaction.
Select PartnersRelationship-Based Tiering
Rewards, benefits, and service levels that scale with total relationship depth — deposits, lending, and assets under management — not just card spend.
EnterpriseWhat We Power
The full spectrum of loyalty fulfilled.
Apple® Rewards
Apple® Rewards
An authentic Apple shopping experience that your customers will love.
- Customers can buy Apple products directly through your program
- Latest and greatest products available within days of launch
- Attract and engage new, high-value customers
Travel Rewards
Travel Rewards
Help members design their dream travel experience.
- End-to-end travel agency with dedicated customer support
- Pay with loyalty currency and split tender
- Flights, hotels, vacation rentals, rental cars, activities, and cruises
Merchandise Rewards
Merchandise Rewards
Deliver endless shopping options within your program experience.
- AI-curated access to over one million items
- Pay with loyalty currency, cash, or split tender
- Easy integration and custom capabilities
Gift Card Rewards
Gift Card Rewards
Transform rewards into shopping and gifting power for your members.
- Over 400 options from leading brands and retailers
- Fully managed supplier relationships
- Easy to integrate and customize storefronts
Trust & Compliance
Enterprise-Grade Security & Fraud Prevention
7-layer security architecture, real-time fraud detection, and institutional-grade compliance. Built to pass the vendor risk assessments of top U.S. banks and financial institutions.
PCI DSS Compliance
- •Annual AOS attestation to PCI DSS
- •Audit period: June 1 through May 31
SOC 2 Type II
- •Annual AOS attestation to PCI DSS
- •Audit period: June 1 through May 31
ISO 27001
- •Annual surveillance and recertification audits
- •Covers information security management systems
Industry-Leading Fraud Prevention
Proprietary controls, AI-powered detection, and dedicated fraud teams, protecting every transaction across your program.
Preventive Proprietary Controls
Managed blacklists of suspicious addresses, phone numbers, and emails. Referential data sourced through industry, government, and historical channels.
AI-Powered Fraud Detection
Real-time transaction validation through Equifax Kount Command. Customizable machine learning designed to automatically detect, prevent, and monitor fraud before transactions finalize.
Operational Fraud Oversight
Sophisticated transaction analysis, monitoring, and alerting. Threshold-based alert rules customizable to program needs. Dedicated fraud practitioners segregated from other operational teams.
Augmented Authentication
Industry-leading third-party automation for user authentication. Proactive controls including credit card BIN restrictions, redemption anomaly detection, and 24/7 order review.
Why It Matters
Meet strict vendor risk requirements of top U.S. banks, financial institutions, and Public Companies
Enterprise-sourced, meeting PCI DSS and KY3P assessments
Industry-leading fraud prevention with real-time transaction validation through Equifax Kount Command
7-layer security architecture: perimeter, network, endpoint, application, data, policy, and monitoring
Concierge & Member Services
White-glove service for your premium cardholders at enterprise scale.
24/7 Global Lifestyle Concierge
Global lifestyle managers for premium cardholders. Complex travel coordination, hard-to-book dining access, and on-the-ground support worldwide.
Dedicated Program Support
Assigned support teams with direct lines — not ticket queues. Your brand voice, your service standards.
Operations Excellence
SLA-backed response times, full escalation paths, and reporting that gives your team complete visibility.
Enterprise Call Center Operations
U.S.-based contact center with dedicated operational directors, 100% call recording, and agents trained to service affluent client groups.
Super-Agent Model
One agent handles all product types — travel, merchandise, gift cards, and Apple — across all channels. No transfers, higher first-call resolution.
Quality Assurance
100% of interactions recorded. Dedicated QA team with customizable scorecards. CSAT scores and joint calibration sessions for continuous improvement.
Flexible Staffing Models
Shared or dedicated staffing. U.S.-based facility in Scottsdale, AZ with full remote capabilities. Scalable to match your volume and shift coverage needs.
Affluent Client Expertise
Agents with proven backgrounds in servicing affluent and high-net-worth customers. In-depth travel knowledge for complex itineraries, cruises, and experiential packages.
Ready to activate new pathways to loyalty?
Whether you're launching a new card program, enhancing an existing loyalty platform, or building premium experiences for high-net-worth clients. Most evaluations start in under 5 business days.