How much can I save with PAYBACK?

Many comparison tools list PAYBACK as offering a base discount of 0.5 percent—1 point for every 2 euros spent. That’s correct, but incomplete. Those who actively use coupons save significantly more. This page breaks down what’s realistically possible.

What is the difference between basis points and coupons?

PAYBACK works on two levels:

Level 1 – Base Points: For every purchase at a PAYBACK partner, PAYBACK points are credited when you show your card or the app. The standard rate is 1 point per 2 euros, which corresponds to a 0.5 percent discount. This is the value that comparison sites typically cite.

Level 2 – Points Multiplier Coupons: PAYBACK and its partners offer coupons that multiply points by 5, 10, 20, or more for certain purchases. They can be easily activated before shopping or paying, allowing you to earn many more points much faster. 

FAQ: How to Save Money with PAYBACK

Is PAYBACK only worth it with coupons?

No, because PAYBACK has more than 700 partners, and you can earn points every day at many businesses using just one card or app. However, coupons significantly increase your savings potential; they’re always free and easiest to access in the PAYBACK app.

How long are collected points valid?

PAYBACK points are valid for 36 months from the date they are credited or registered to your points account. After this period expires, PAYBACK points expire on September 30 of the same calendar year. Learn more here.

How do I find the best coupons?

In the PAYBACK app under “Coupons”—filtered by partner, category, or expiration date. Tip: Activate coupons well in advance of your purchase, even for in-store purchases.

10 Tips to Make Sure You Don't Lose Any Points

• Use the PAYBACK app as your shopping “control center”—all coupons, your current point balance, and all partners in one place
• Check the app for applicable coupons and activate them before every purchase
• Be sure to check the coupon’s validity period and terms and conditions—accessible via the “i” icon in the upper right corner of the eCoupon
• Activate eCoupons for in-store purchases as well—they’re valid both offline and online
• Always start online shopping through the PAYBACK app—it’s the most reliable way to earn points
• Agree to the use of cookies on partner websites—otherwise, points may not be credited
• Don’t fill your shopping cart until you’ve logged in via the PAYBACK app
• Be aware of credit periods—some points are credited immediately, while others are credited only after the return period has expired
• Check your point balance regularly in the app or on PAYBACK.de
• If points are missing: Contact the PAYBACK Servicecenter