×Zwipe

Your processing company knows more about your guests than you do.

What if Toarmina’s had
its own currency?

Your brand in their wallet.
Spending power that brings them back.

Powered by Zwipe in partnership withMastercard
Toarmina’s branded Mastercard debit card concept
Toarmina’s × ZwipeProposed Toarmina’s debit card · Design concept

IMAGINE THE OPPORTUNITY

What if every guest
had a Toarmina’s debit card?

Every payment builds the customer relationship.

Know the guest

Spending, visit patterns and available balance.

Prompt the next visit

Cashback and reminders timed to their habits.

Learn from every return

See who comes back and what they spend.

A proposed scenario. Insights reflect enrolled members’ Toarmina’s card activity.

Toarmina’s branded debit card concept
YOUR BRAND. YOUR CUSTOMER CONNECTION.Card design concept

BRANDED PAYMENTS

This is not a loyalty card.
This is your brand inside your guest’s wallet.

One card. Five engines. A direct guest relationship.

01

Marketing Asset

Your branded card in Apple & Google Wallet.

02

Behavioral Loop

Load → Pay → Cashback → Repeat. A reason for the next visit.

03

Cashback Engine

Cash value for participating Toarmina’s locations only.

04

Direct Communication

Offers and reminders through opted-in channels.

05

Controlled Ecosystem

Your merchant IDs. Your participating locations. Your rules.

HOW GUESTS USE IT

Load. Pay. Get cashback. Repeat.
One tap. A reason to return.

No codes. No scanning. Just tap to pay.

MOMENT 01 · JOIN

Make it yours.

Join through the Zwipe Card app. Add funds to your balance. Add your Toarmina’s card to Apple or Google Wallet.

MOMENT 02 · DINE

Pay as usual.

Tap at Toarmina’s. Cashback is added automatically after eligible settlement. No reward code or scan at checkout.

MOMENT 03 · RETURN

Value is waiting.

An opted-in reminder shows the cash value ready for your next order at participating Toarmina’s locations.

A familiar payment. A visible balance. A timely reason to choose Toarmina’s again.

THE MEMBER’S VIEW

Your card.
Their spending power.

See the balance

Available funds, cashback and pending value.

Add funds

Add funds to your balance in Zwipe Card.

Track activity

Purchases and cashback, in one place.

A familiar payment experience at checkout.

Toarmina’s card in the member app, showing a $42 balance, Add Funds, cashback and transaction history
Illustrative member app · Example balances and offer

KNOW YOUR CUSTOMER THROUGH PAYMENTS

Know their habits.
Know your next move.

Spending

  • Total spend
  • Average check

Visit habits

  • Visit frequency and usual timing
  • Days since last visit

Available value

  • Current balance
  • Cashback ready to spend

Card activity only. Item-level orders and purchases made with other payment methods require a separate data connection.

AR

Alex Rivera

Illustrative member profile

MEMBER
Card purchases8
Total card spend$224
Average check$28
Current balance$50
Typical visit timeFriday evening
Days since last visit21 days
Cashback earned$24
A customer relationship built on actual transactions.

REMINDERS DRIVE THE NEXT VISIT

Turn value into another order.

Once a member has money on their Toarmina’s card, we have a natural reason to bring them back.

Toarmina’s phone notification showing $10 ready to spend
Toarmina’s

Your $10 Toarmina’s value is waiting.
Use it toward your next order.

Toarmina’s

Don’t forget your $10 —
make it Toarmina’s this week.

Value on card
Reminder
Return
Spend
Earn again

Real cash waiting. A reason to come back.

Illustrative balance and opted-in reminders. Cashback is spendable at participating Toarmina’s locations; further eligible purchases earn cashback after settlement.

THE MECHANISM

Cashback that can only be
spent at your restaurant.

An investment in the next visit. Spendable only at Toarmina’s.

01 / PAY

Spend $50

Pay with the Toarmina’s card.

02 / EARN

Get $10

20% cashback after eligible settlement.

03 / REMIND

“$10 is waiting”

A reminder backed by real cash value.

04 / RETURN

Spend it here

Use the balance toward the next purchase.

Mastercard rails. Apple & Google Wallet. Your terminals. Zero changes. No new IT project.

The infrastructure is already built. You switch it on.

Illustrative 20% cashback, funded after eligible settlement. Promotional-value spending does not earn more cashback. Verify merchant IDs by location and channel; test acceptance, split payments and refunds before launch.

THE BENEFIT FOR TOARMINA’S

Same restaurant. Different model.

Transaction by transaction

  • Pay platforms to reach guests.
  • Use discounts to prompt a purchase.
  • Start again to win the next visit.
  • Limited visibility into guest habits.
  • Rely on platforms to reconnect.

A direct customer relationship

Toarmina’s branded payment card concept
  • Your brand in the guest’s wallet.
  • Cashback reserved for their next Toarmina’s visit.
  • Real cash value behind every reminder.
  • Know members’ card spending and visit habits.
  • Reach opted-in members directly.
THE RESULT WE AIM TO PROVEMore returning guests. More customer spending. Measurable growth.

The pilot measures additional visits, spending and contribution after cashback and fees.

ZWIPE COMMERCIAL MODEL

Card used?
A small fee.

Usage fees only when the card is used.

01 / LAUNCH

Program setup

Setup fees cover launching your branded card program.

02 / ACTIVE USE

Used? A small fee.

Fees apply when members spend, add funds, reload or make another agreed money movement.

03 / NO USE

Unused? No usage fee.

No charge just for having a card. No use or money movement means no ongoing usage fees.

Setup fees are separate. Transaction rates are agreed before launch. Cashback is Toarmina’s incentive budget, separate from Zwipe fees.

ABOUT ZWIPE

The infrastructure behind
your branded payments.

We help restaurant brands turn payments into customer insight and repeat visits.

Accelerator backing

VC-backed accelerator

Payment network

Global payment network partner

Card infrastructure

Card issuing & processing partner

Banking partner

FDIC-insured banking partner

Financial services

Multinational financial services platform

Payment network

Global payment network partner

Banking network

A Central Texas banking network

WHAT WE BRINGBranded cards · Cashback · Customer insights · Direct communication

THE PILOT · OUR RECOMMENDATION

Start with five stores.
Prove the reason to scale.

5Toarmina’s stores · 1–2 markets
90Live days after acceptance testing
20%Recommended test cashback

One clear offer

A $50 eligible purchase earns $10 for the next visit.

A timely reminder

When cashback arrives, then ahead of the next week.

A fair comparison

Invite selected members. Keep a randomized control group.

Proposed scope and offer, subject to budget approval and sufficient member volume. Cashback posts after eligible settlement; promotional-value spending does not earn more cashback.

THE QUESTION THIS PILOT ANSWERS

Will cash in their wallet
bring them back more often?

WHAT WE KNOW

A reason to return

  • Cash value at Toarmina’s
  • Identified card activity
  • A direct reminder
WHAT WE DON’T KNOW

Does behavior change?

  • More visits?
  • More spending?
  • Profitable growth?
WHAT THE PILOT SETTLES

Measure the difference

  • Visits vs. control group
  • Spend per member
  • Contribution after costs
Scale when: additional visits and spending meet agreed profitability targets.

Agree sample size before launch. Include other payment methods where available; card activity alone does not prove additional sales.

THE PILOT · YOUR OPERATOR VIEW

What Toarmina’s will see.

Toarmina’s Pizza
Toarmina’s PizzaPilot program overview
All locations ▾All time ▾

Program performance

Loads$18,540.00↑ $124.00 vs. last week
Spend$15,982.40↑ $104.00 vs. last week
Cashback$3,196.48↑ $20.00 vs. last week
Cards issued164151 active cards
Funds on cards today$5,731.65↓ $220.00 vs. last week
Spend per $1 in fees$10.76Across the full program
ALL TIMEVisits
316VISITS164CUSTOMERS

↑ 14 vs. last week

Frequency Visits / Customers
1 visit79 / 79
2 visits92 / 46
3 visits72 / 24
4+ visits73 / 15
CashbackProgram FeesMember ActivityReports

Cashback

Edit columns   ↓ Download
CustomerSpendCashback rateCashback
Ava Johnson$65.0020%$13.00
Danielle Mullin$210.6220%$42.12
Dominic Lerma$177.4120%$35.48

Illustrative Toarmina’s view of the Zwipe dashboard · Sample data

THE NEXT STEP

See the experience.
Agree the pilot.

Toarmina’s

Select 5 stores for the pilot.

Zwipe

Configure cards, cashback, reminders and reporting.

Together

Test acceptance, agree targets and launch the pilot.

WE PROPOSE A JOINT WORKING SESSION

Marketing, Operations and Finance.

See the member journey and dashboard. Leave with pilot owners and a launch plan.

ZWIPE / THE STORY

Chapters

A DEMO BUILT AROUND TOARMINA’S

From your card
to your first pilot.

A joint working session to see the experience and agree on a starting point.

  1. The Toarmina’s card and member onboarding
  2. Payment, cashback and the return-visit reminder
  3. Customer insights and the merchant dashboard
  4. Pilot scope, owners and success measures

Bring your Marketing, Operations and Finance leads.
Leave with a proposed pilot scope and clear next steps.