Welcome to Spire

Everyday Spend that rewards

A branded Pay-by-Bank solution at the point of sale, that reduces payment costs and unlocks new ways for merchants to drive customer loyalty.

Everyone wants a better experience

The Payment Landscape Is Changing

Consumers are carrying more debt and rethinking credit, but they still want rewards.

of consumers plan to use less credit

0 %

say rewards influence where they shop

0 %

ROI when loyalty is integrated at checkout

Spire Bridges the Gap

We help merchants deliver a branded, rewarding experience—without changing how customers pay. It’s a win-win.

Simple Process

Already accept Discover? You’re Ready for Spire

Spire runs on the Discover® Network—so if you already accept Discover, you’re good to go. No POS integration. No need for a new settlement process. No operational lift. Just instant impact.

IN-APP

EMV CARD

DIGITAL WALLET

Customers Pay Their Way

Through your app. A physical card. Their digital wallet.

Turn every payment into a brand moment customers remember

Spire makes it easy for merchants to turn savings into rewards customers love—like cash back, free food, or real in-store deals.

let’s work together

Ready to Power the Future of Everyday Spend?

Let’s talk about how Spire can help you grow loyalty, increase basket size, and increase transaction frequency.