Posted by Chuck on March 12, 2019
Deals

Published on March 12th, 2019 | by Chuck

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Payce Cashback Program Review: Earn Cashback at Top Retailers In-Store or Online + $5 Signup Bonus

Reader Evan sent in a tip about a cashback shopping program called Payce. It looks a bit interesting and I’ve never heard of it before, so here’s a quick review. Please comment below with your own thoughts and experiences.

Direct Link to Payce

Payce offers cashback for in-store purchases and online purchases. In order to earn in-store, you first need to register a credit or debit card Visa, Mastercard, or Amex. (Note: some individual offers only work on Visa and Mastercard.) This is similar to dozens of other card-link in-store rewards program, see Complete List of Card-Linked Reward Programs. (They use Affinity Solutions for Visa/MC and Empyr for Amex.)

What’s interesting about their in-store offers is that they are currently showing some nice little cashback bonuses at top retailers like Staples, CVS, Home Depot. The standard offer seems to be to earn $5 when you spend $20/$25 or more. The terms exclude gift card purchases from earning cashback, but it’s still cool for ordinary shopping. Be sure to save offers which require saving before using.

These offers are for one-time use, but it seems offers renew monthly and I’m guessing that used offers will come back again each month. It’s also interesting that the FAQ indicates that it’s cool to open a second account with a separate email address and card, so it may be possible to do more than one offer if you’re willing to juggle more than one account.

I don’t see any referral program, but they are showing currently a $5 signup bonus for anyone who signs up and earns any amount of cash back by March 31, 2019. Minimum $20 required to cash out.



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Max B
Max B

The terms of service say they use Empire, Inc. and Affinity Solutions. https://paycepays.com/p/Home/Terms

Gadget

Agree… “you authorize Payce to share your payment information with Payce’s Third Party Service Providers (including Empyr, Inc., for American Express cardholders, and Affinity Solutions, Inc., for Visa and MasterCard cardholders) and Payment Card Network (e.g., Visa, MasterCard, American Express) so it knows you enrolled.”

Dylan
Dylan

Theres a difference between terms saying something and being actively enforced. gift cards may work even if not specified.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

shhhh

Sujoy Paul
Sujoy Paul

Looks like it takes 3 days for them to approve the card.
“Thank you. We have received your card registration form. Your registration will be processed within the next three (3) business days.”

arch
arch

Looks like we should sign up now if we want to test it with the current OfficeMax promo

Steve

Does it give any indication when your card registration has been processed? Or you just need to wait 3 business days and hope it worked?

Andrew
Andrew

This could pair really well if you have a Citi Dividend, which currently has 5% at Home Depot this quarter and 5% at drugstores next quarter (which would be nice assuming the CVS offer will still be there in Payce come April).

Dividend doesn’t allow direct sign-up, though, and product changing into it takes at least a month to go through.

Ryan B
Ryan B

What is the latest in terms of what successfully PCs to Dividend? Have been unsuccessful with my Citi DC

Andrew
Andrew

Ryan B Interesting — I PC’d my Double Cash to a Dividend in late December 2018 and it completed in early February 2019 (I think). If it matters, I had held the DC for well over two years (I’ve replaced it with Alliant’s 2.5% fee-based card). Perhaps lifespan of the original card is a factor to prevent immediate “backdooring” into the Dividend via another card.

Edit: DoC says the card must be 12 months old: https://www.doctorofcredit.com/best-downgrade-options-rules-for-each-card-issuer-rules/#Citi

Nickod777
Nickod777

Chuck Empyr for American Express, and Affinity for Visa and Mastercard… Unless I’m misunderstanding the language, and empyr is monitoring all 3 networks.

Section 2 of TOS
“By registering a payment card in connection with transaction monitoring, you authorize Payce to share your payment information with Payce’s Third Party Service Providers (including Empyr, Inc., for American Express cardholders, and Affinity Solutions, Inc., for Visa and MasterCard cardholders) and Payment Card Network (e.g., Visa, MasterCard, American Express) so it knows you enrolled. ”

Then the subsection below it states the obvious reminder from empyr which states you may only have the payment card linked to one program operated by empyr…. Which brings me back to the above quote. Is Empyr only looking for AMEX cards, or all 3 types of cards mentioned?

Joe
Joe

Sooo, what are the chances that some savvy criminal sets one of these up and steals a bunch of people’s credit card info? It’s not like they link you over to Empyr to put in your digits. Plus they don’t pay to PayPal- they want a bank account, or it looks like you can have them mail a check (probably to yourself) for payment of a bill.

I think I’m going to wait on this one until I see a bunch of people getting paid… especially with the tiny caps. This probably isn’t the one that takes our group for a ride, but if I can think it- and probably learned enough in my software development associate degree program to build the website/app to pull it off- then eventually it will happen.

Matt
Matt

is there a minimum cash out?

pesets
pesets

$20

pesets
pesets

Minimum $20 earned rewards to be able to redeem

A tiny little detail

Paul
Paul

That saks one really needs AMEX added for in store!

Zack
Zack

5% back at Home Depot would have been nice before the 10k I’ve spent there last month. Bummer but sweet deals for the future

Joe
Joe

Eh, you would have earned $5 because of the caps.

Aahz

Has anyone received ANY indication of in-store offers tracking, much less being awarded?

I’ve registered two cards, activated offers and then shopped in-store at Staples, Home Depot, CVS and Kohl’s but see absolutely zero indication of my purchases in my account.

TomJ
TomJ

same here

Josh
Josh

Pending $5 posted today for office depot and CVS. Only 1 $5 reward was given for office depot and I did LOL transactions last week there. So it is definitely hard-coded for 1 time use.

Aahz

How many days between purchase and posting?

Josh
Josh

The purchase date on the payce website says 3/15.

Steve

The deadline for the $5 bonus seems to have been extended to April 30, 2019

Their FAQ mentions a “Payce Crew” that sounds kinda like a referral program: “You can invite friends and family to join your Crew and contribute the cash back they earn to your account to boost the distributions to your registered account. Select the “My Crew” button to invite friends and family or manage your Crew”

But it’s not clear if that just means your friends can choose to give their cashback to you, and not keep any cashback themselves?

Nate
Nate

is there an app available for android? Can’t find it anywhere in google store.

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