What is Cashback? How does the cashback business model work? Cash Back - what is it? Return of cash to the buyer.

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Recently, quite often in the context of online trading you can come across the word cashback (or cashback in Russian), but not every user knows about cashback, what it is and what it is used for. In RuNet, this phenomenon is quite new, unlike in Western countries - where online stores have been using this method of attracting customers almost since its inception. However, this difference did not greatly affect the development of the service - cashback sites exist in large quantities, competing with each other on convenience, customer benefits and other benefits.

In fact, it’s quite simple to guess what cashback is: if you literally translate the word from English, cashback means “return of cash, money.” This is the basis of the cashback principle - store or special service return to the buyer’s account a certain percentage of the amount spent on the purchase. Usually the returned part is small - 2-3%, sometimes 5%, although some services offer up to 15%, especially during various promotions. The paid amount is credited to a special account or directly to the card or online wallet.

How cashback works

At first glance, the scheme seems too suspicious: why would the store return, even if only a small percentage, from each purchase, and then how do cashback services live, since they claim that all proceeds are paid to customers. Smacks of deception, doesn't it?

In fact, there is no deception here, and indeed in the end everyone is happy. You can briefly explain how cashback works using the following example:

An online store that sells mobile phones has a certain marketing budget that needs to be spent on attracting new customers. Store managers have several options for spending their budget: order advertising, arrange a sale, or pay a service that will bring ready-made customers. The last option is obviously the most reliable.
The cashback service agrees with the store that it will attract a constant flow of new customers, and in return the store will return its advertising budget to the service in the form of cashback (for example, 7% from each order). At the end of the month or by agreement at other times, funds are transferred to the store’s account.
A buyer who is looking for a suitable online store will learn about cashback and the opportunity to save on purchases. Of course, the benefit is obvious: he will buy the same product that he wanted in the same store, but in addition, he will receive a portion of the amount spent back. Beauty!
After making a purchase, the store transfers 7% of the cost to the cashback service, which, in turn, pays the client 5% of the amount spent.

The circle is closed: the store received a new active client, the buyer received a refund of part of the funds, the cashback service is the difference between the store’s payment and the percentage returned to the buyer. In the end, all parties were satisfied.

How to choose a good cashback service

Today, cashback services are offered by dozens of services - both large ones, where millions of clients are registered, and small ones, which attract new visitors with higher percentages and better conditions. If you are looking for reliable cash back services, pay attention to the following factors:

return percentage - of course, you want the more the better, but you need to understand that if the average percentage for a particular store is 5%, and the service offers 30%, most likely this is a scam, and you won’t see the money at all;
ease of accumulation and withdrawal of cashback - the fewer actions you need to perform in order to accumulate a certain amount and withdraw it to your account, the better. There are even sites that operate without registration and pay a percentage of each purchase directly, bypassing the creation of a payment request;
interface convenience – you will use the cashback service website quite often, so you want it to be as convenient as possible, and the desired function I didn’t have to search for half an hour;
list of supported payment systems - for some it is more convenient to receive payments to a phone number, for others they prefer electronic wallets, and for others directly to a Visa/MasterCard card. The service should provide all possible options.
Availability additional sources earnings - referral programs like “Refer a Friend”, a system of promotional codes, an increase in the percentage of payments depending on the number of purchases can significantly affect the amount of the bonus that you can receive;
Reviews are very important characteristic for service. Many other people have probably already used it before you, and reviews allow you to find out their opinion, as well as the pros and cons of the resource

Finally, we present a table showing the main cashback sites on the Runet and their features.

Service name	% (on AliExpress)	Service reliability (from 0 to 10)	Availability of additional bonuses (for referring friends, etc.)	Overall rating (from 0 to 5)
Letyshops	1,5 – 4,5%	9		4,5
Smarty.Sale	up to 4%	8	referral program + promotional codes	4,5
ePN CashBack	2 – 4,5%	8	referral program + promotional codes	4,0
Qiwi Bonus	up to 4%	6	promotional codes	3,5
Cashalot	up to 3.36%	7	referral program	3,0
Cashback.ru	until 6%	4	promotional codes	3,0
Dronk	1,5 – 4,5%	6	referral program	4,0
Alibonus	1,6 – 4,5%	6	referral program	4,0
Kopikot	until 6%	6	referral program	3,5
Cashbackoff	1,7 – 3,8%	7	referral program	4,0
Yamaneta	up to 2.8%	6	referral program	3,5

Cash Back literally means cash back in Russian, and involves returning part of the cost of purchases paid with a credit or debit card to the client’s account.

The difference between Cash Back and other loyalty programs is that real money is credited to the card, and not virtual points, miles or bonuses. To receive funds, the client does not need to take any action; after making payment at retail outlets, restaurants, online stores, the refund occurs automatically.

Conditions for providing Cash Back on cards

In the Russian financial services market today, just over 10 organizations operate using Cash Back cards. The amount of refunds ranges from 1% to 3%. The bonus on your first spend can reach 10%.

Some financial institutions limit the list of places where purchases can allow credit card holders to receive a refund of a portion of the funds spent, for example, only pharmacies, restaurants, cafes or gas stations. CashBack does not work for cash withdrawals, utility payments and transfers of funds to electronic accounts.

If you have Cash Back service credit card To credit the refund to the account, banks most often require timely making mandatory payments and do not credit funds if there is an overdue debt.

The Cash Back service allows the client to save money on paying commissions. If you regularly spend in a retail and service network, the refund amount may exceed the cost of annual and monthly account maintenance.

How to Apply for a Cash Back Credit Card

Let's look at the procedure for issuing Cash Back credit cards using the example of Home Credit Bank and Russian Standard Bank products.

Home Credit Bank offers customers two card options with Cash Back: MasterCard Gold and MasterCard Standard. The financial limit for Gold cards can be set to no more than 300 thousand rubles, for Standard cards up to 200 thousand rubles. The grace period is within 51 days. The refund amount on invoices is 3% and 2% of the purchase amount, respectively.

The fee for using borrowed funds is 29.9% for Gold, and from 34.9% to 44.9% for Standard. The bank charges 299 rubles for cash withdrawal; monthly service costs clients 149 rubles for Gold and 99 rubles for Standard.

Russian Standard Bank offers customers to earn money on purchases when paying with a MasterCard Cash Back card. It opens with a credit limit of up to 450 thousand rubles and provides for up to 55 days of a grace period for using borrowed funds. After making the first spend, the client receives a refund of 10% of the purchase amount, the subsequent Cash Back is 1%.

Russian Standard Bank issues additional cards for close relatives of the account holder. Their active use in the retail and service network allows you to increase the Cash Back amount to 3%, provided that the total turnover on all cards is 1 million rubles.

The fee for using credit funds with MasterCard Cash Back is 29%, the service fee for a year is 950 rubles. Removal own funds client using the card for free, within the credit limit of 4.9% of the amount.

You can order Russian Standard Bank and Home Credit Bank credit cards with the Cash Back function on the Internet on bank websites or in branches and then receive them at any convenient office of financial institutions.

The term “cashback” is quite common in our Everyday life. What does it mean and what is it needed for?

If you try to translate the word cashback from in English into Russian, it turns out that it literally means cash back. This term is often used in cases where it is necessary to somehow designate a variety bonus program necessary to attract customers or increase their loyalty to a brand.

Cashback in trading

IN retail trade(as in online trading) cashback is (in a sense) a deferred discount that is returned to the client through certain period time allotted for exchange or return.

The concept of “cashback” is also used in banking sector activities. IN in this case cashback refers to a loyalty program that encourages the buyer to make a purchase using a credit card (or a simple bank card).

The cashback scheme itself is significantly different from conventional discount schemes and discount systems.

This concept came to Russia from Britain and the USA. The spelling of this concept in Russian is still not entirely formalized. It is often used in a variety of variations and forms. The form of this word largely depends on the source of the borrowing.

If the word is spelled “cashback”, then it was taken from British sources, and if it is spelled “cashback”, then it was taken from American sources. It is the hyphen that is the sign by which one can quite accurately determine where exactly this word was taken from.

Where is the term “cashback” most often used?

Usually we are talking about online trading. In this case, this concept is understood as a discount, such as the return of a certain part of the purchase price for personal account buyer in his personal account on the cashback service. You can withdraw funds received in this way directly to your mobile phone or even a bank card. Also on site Russian Federation To withdraw money received under the cashback scheme, you can use the Yandex.Money system, PayPal and even WebMoney.

One of the most pressing factors influencing the choice of a particular cashback service is the question of whether it is necessary to accumulate a certain amount in order to withdraw the received Money. The fact is that in some cases you can withdraw an amount of even 1 ruble, while in other cases you will have to accumulate quite a considerable amount of money to withdraw.

Cashback sites

Also, various cashback sites have recently gained great popularity. They look like ordinary navigation platforms that can redirect the buyer to the websites of any specialized online stores that enter into any partnership agreements with cashback aggregators.

Also today there are many different cashback portals. What are they and what are they for?

These Cashback Sites Can Help potential buyer find any variant of a product that is extremely difficult to find on your own. We can say that cashback portals are additional service. It will also help you find out about any discount programs and compare prices for the same product in different stores. In addition, the cashback service can offer several convenient options for payment through online systems. The cashback service is not limited to these services.

During any operation to purchase a product through a cashback portal, the buyer has the opportunity to receive a return of some predetermined percentage of the price of the product through the cashback market, and not through the seller of the product himself.

Cashback in banks

The banking industry has also adopted the cashback scheme. It is also engaged in issuing credit and debit cards with a cashback function. In this case, when paying for a purchase using this card, you can get a couple more percent of the total cost of the paid product credited to your account.

Some banks act differently. They have certain schemes for returning some pre-calculated percentage that was spent not on any purchase, but only on some limited number types of purchases (usually the contract for opening a card with a cashback option is accompanied by a certain list of various companies from the service or trade sector that are part of a special affiliate program to stimulate consumer demand). This means that you can only get cashback when you fill up at a specific gas station or eat at a cafe of a particular chain.

Also cashback option credit card May be integral part loyalty programs for clients of any banking institution. This loyalty program may be needed if you need to somehow stimulate customers to use the card as a means of non-cash payments.

In some cases, we are talking about a coalition loyalty program with partner retail chains that would like to stimulate demand for certain types of goods or services. Such cards, issued as part of a joint loyalty program, can be classified as co-branded cards. A co-branded card is a card issued by a bank jointly with an enterprise (most often a retailer).

Cashback and hotel business

In the hotel business, the concept of “cashback” is also often used in connection with the return of a certain percentage of the total amount spent on accommodation in a particular hotel. This type of program has gained the greatest popularity among business travelers.

The thing is that the employer pays for their accommodation, and the money received under the cashback scheme is returned to the personal account of the person who stayed at the hotel. This way you can save a lot of money. Some hotel reception staff also refer to the return of cash to the cash register if, for one reason or another, cash was withdrawn from the cash register in an amount exceeding the established minimum for a particular cash register. Once a day, the hotel cash register must be replenished with the missing amount of money.

Cashback, a word that is still unfamiliar to many, but VERY IMPORTANT if you often shop on Aliexpress and in other stores.

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Cashback services give you the opportunity to REALLY save money, for example, get cashback from AliExpress up to 90% on some products!!! Here page with such products.

What will this article be about?

What is cashback?

Cashback (Cash Back English, translated as MONEY BACK ) is a refund of part of the amount you spent on purchasing a product in an online store.

Who returns the money? Salesman. Since there is wild competition online, sellers are willing to pay a portion of the purchase price to the person who brought the buyer. There are ways through which you can earn money by attracting customers to your online store.

But what is stopping you from attracting yourself? That's what it is cashback for aliexpress, when you essentially make money from yourself. Agree, returning 10% of the amount is very tempting, especially when you make serious purchases. We bought a laptop for $500 and got, that’s right, $50 back!

What is cashback in simple words?

I WILL GIVE AN EXAMPLE FOR CLARITY: imagine that Vasya decided to sell his phone for $100. But since he himself is not very good at selling, he asks his agile neighbor Petya to sell his goods. He offers Petya a deal: you sell the phone for $100, and take 10%, that is, $10, for yourself.

If Petya sells the phone, he will receive an affiliate reward, as in the affiliate program. But Petya himself needs a phone and he decided to buy it for himself. How much money will he give to Vasya? Yes, only $90, and you can keep $10 for yourself. This is CASHBACK!

In this article I will tell you how to get the maximum return from Aliexpress and other stores, the essence is the same. All major online platforms today actively use this technique to win user loyalty.

For example, in TOP Letishops service already connected 1022 popular stores from all over the world!

How do cashback services work? Which cashback for Aliexpress is better to choose?

How to get cashback from Aliexpress?

Most often, you only need to complete two simple steps:

A. Register . This is necessary so that the saved money drips somewhere. Back Cash will be credited to your account in your personal account. And from there you can take it out in any way in a convenient way: to an electronic wallet, bank card or top up your mobile phone.

B. Install browser extension . This will make your life much easier. How many times have I made a purchase and stumbled upon something interesting, and then remembered: “ Oh, I didn’t activate the cash back Ali!” In this case, the plugin itself will always remind you of this. In addition, it is very convenient, everything is done literally in one click.

When you enter the site, an alert will pop up with the “ACTIVATE CASHBACK” button. Click and continue shopping as usual. By the way, you will always be aware of the percentage that will be returned to you for your purchase.

You can buy without installing a plugin; to do this, just go to the website, select a store from the list and follow the link. Everything is automatically activated when you go to the store.

As you can see, nothing complicated. You don’t need to enter any information about yourself, there’s no point, you make all payments on the store’s website.

Remained last question: what Aliexpress cashback service choose?

How to choose the BEST cashback for Aliexpress?

On this moment There are a LOT of such sites and choosing the best one is not so easy. But I made it easier for you and made a comparison table.

Indicated site age (checked here) , since this allows us to at least to some extent assess the level of trust ( although it's all relative).
Indicated percent for Aliexpress to evaluate GREED or GENEROSITY.
pointed out how many stores served, that too good indicator, since the buyer is not alive by Aliexpress alone...
Very important indicator - attendance(visitors per month) , data ( approximate) I got HERE.

Over time, something may change, for example, the return percentage, I will adjust it if possible. If you have comments or suggestions regarding the table, write them in the comments.

All cashback services (table with rating)

In the table you can sort the data for any parameter by clicking on the heading of any column to find out, for example, where the largest percentage is, or which is the most visited.

ATTENTION! Some cashback services offer BIG percentage only for some products and in certain countries, the table indicates exactly upper threshold. Check the exact amount for Aliexpress immediately before purchasing.

Percentage in this table shown only for Aliexpress , although almost everywhere you can get a percentage from purchases in other stores.

Cashback	MIN%	MAX%	Created	Attendance	Stores
Letishops	1	90	2014	12300000	1037
EPN	1,6	90	2014	6000000	49
Ebates	3	3	1998	29000000	2000
Cash4brands	1	90	2014	113700	642
	2,41	9,83	2017	1100000	1500
Copycat	1,8	6,85	2011	1400000	1214
ExtraBux	5	5	2006	124000	2500
	1,4	10,5	2009	12000	5000
Promo codes	1,67	5	2013	470000	1692
Sidex	1,8	6	2012	237000	670
Smarty.Sale	1,5	3	2015	1100000	750
ALME.ru	4	15	2007	61200	1274
Bonus Park	1,67	10	2016	43100	659
Glai	10	30	2016	19500	1
Depcount	0,84	6	2017	20000	700
Baack	1	3,5	2018	22000	112
AliKopi	9	30	2016	56200	1
ShopoPRO	1,16	4,98	2015	12000	459
Retorno	2,5	3,5	2015	17500	500
MONETA.UA	1,73	4,5	2015	230000	168
SalesProcessing	9	38	2016	215000	282
KopiCash	0,98	63	2017		687
Get Cashback	1,68	4,88	2012	13400	700
Befrugal	6	6	1999	2000000	5000
Bitlle	0,7	45	2017	4700	469
Discounter	0,7	5	2016	67000	969
TopCashBack	1	7	2005	2000000	1653
Clover	?	6	2014	12000	2000
Coin	1,6	4,8	2013	12000	1073
ShopinBox	1	4	2013	12000	184
Backly	3	3	2013	51000	251
Backmy.Cash	1,55	4,64	2017		55
Cashmeback	1,3	4	2013	12000	500
Cashy	2	6	2015	12000	486
BONUS2YOU	1,75	3,75	2015	88000	500
YouCashback	1,8	3,6	2017	4400	190
CASHBE	1,1	6,1	2017	87000	209
HelpMart	1	5	2009	12000	300
Mr.Rebates	4	4	2002	982000	1000
ILoveCash	0,84	3,6	2017		334
ITCashback	1,4	4,2	2018		210

The best cashback for aliexpress (voting)

The opinion of one person can NEVER give a truly objective picture of what is happening, which is why I decided to make a PEOPLE'S rating. Anyone without registration can vote for their favorite site.

At this point, many people have already voted and now we can draw some conclusions regarding trust. Based on this, those who are just choosing for themselves which cashback to use ( and these are the majority ), may make a more accurate and informed decision.

And if you are just choosing, and you have SPECIFIC questions, then again, ask in the section and I will try to help you with your choice, since I have personally used many.

Which cashback to choose for Aliexpress? TOP 10 BEST!

Now I will tell you what I think are the best ways to get a refund on your purchase. I draw my conclusions based on how many people use this or that cashback service. They use it, not register. What is the difference?

When I became acquainted with cashbacks, I began to register in everything that became known to me. But in practice, I only used ONE or TWO, those that REALLY suited me in all respects. And for the rest I was simply listed...

How can I find out what people are actually using and what people are JUST registering for? In terms of income from my referrals, and I have thousands of them. If I receive income, it means people are actively receiving cashback on Aliexpress or from other stores. If there is no income, then the service is half dead...

LETY SHOPS - Letishops is very good, when registering you IMMEDIATELY receive 200 rubles as a gift to your account. The rates are different, each store determines how much it will give you per order.

On Aliexpress they currently give 3.9%, not much, but everything is compensated by reliability and a huge amount There are more than a THOUSAND stores!

E-COMMERCE PARTNERS - the first cashback that I started using, I have already received payments more than once ( The minimum amount for withdrawal is ONLY 20 cents!!!) and therefore I can guarantee its reliability.

Plus you can get UP TO 90% cashback on some SELECTED items, which is a huge plus. There are also coupons and promotional codes that are distributed regularly. There is also excellent mobile app for all devices.

Recently, EPN Cashback connected several more large online stores, and Ali Express is not the only one that keeps shopping alive:

OZON- a large Russian portal where you can buy almost everything.
BANGGOOD- a very large Chinese resource, there are many products that cannot be bought on Aliexpress.
ASOS- a large European clothing store, there is a Russian version, which is very captivating.
GearBest- this is the second largest Chinese store after aliexpress - see .

And that’s not all, EPN regularly updates this list, now there are already dozens of these stores... We are trying to place an order, if you have any questions, write in the comments...

There is also a longer article on the site...

Depcount - a new, but quite promising international cashback with Russian technical support.

What advantages does Depcount have over other similar services? Good cashback for Aliexpress, up to 6%

Secondly, the site has a section where you can find many products with increased cashback in different stores:

Third, there is a section with promotions in various stores, discounts reach 90%

There are many others useful options such as Aliexpress coupons, affiliate program and much more….

CUP - most old service in the vastness of Russia, and all these years it has been working properly, there are no complaints at all. By personal experience I can say that payments are almost instantaneous and there are never any delays.

And as you can see in the photo, this is the only service that allows you to withdraw saved funds in bitcoins. In addition, they have a very profitable referral program; in addition to your referrals, they will give you those users who got to their cash back aliexpress simply from a search.

Service with great program loyalty up to 8,25% . To reach this level you will have to try and go through 6 steps:

In general, this service offers up to 40% returns from stores.

On Aliexpress today the percentage is - 1,61% for the category smartphones and 3,27% for all other categories.

Cash4Brands a service where you don’t have to save money to withdraw. Withdraw at least 1 ruble! They also assure us that they transfer cashback in the fastest possible time, unlike other services... They even made a table:

A lot of information and instructions, beautiful images, it's a pleasure to work with them. This is the percentage they promise on Aliexpress:

Unfortunately, aliexpress does not provide them with information about which product affiliate, and which one is not. As I understand it, this can only be found out after purchasing through the Kopikot service.

You can earn money with up to 59.5% on Aliexpress! But don’t rush to rejoice... Such percentages will never be made, otherwise you will go broke. In fact, we are offered to earn money not immediately, but gradually receiving our cashback.

For example, to receive their gift of $50, you just need to wait until this fifty dollars gradually drips into your account for some indefinite time:

They also have a 10-level referral program, where you can make good money if you are a fairly agile person and know how to attract people.

More detailed information you can see it for yourself salesprocessing.ru , but I can only say one thing: the service is interesting because of its idea. You can call it - money box. You buy, try to make money, and the money gradually drips into your account.

Ebates a service that is visited by approximately 29 million people a month! Just imagine how huge this figure is. In Letishops it is only 12 million, but why then is it considered the most good cashback? Because he is the best in Russia. And if we take the whole world, then Ebates clearly wins over everyone.

This cash back is an old man, he has been working since 1998. So over the years it has proven its reliability and almost 30 million people still use it when shopping.

Unlike other cashback services, Ebates has not reduced the rate on Aliexpress for almost half a year. She stays that way 3%.

Here you can register and start saving...

Moneta.ua – a confidently developing service, with a claim to the title of the best Ukrainian cashback in the near future. It stands out favorably against its compatriot competitors with the highest percentage in most stores in Ukraine and abroad (the list includes about 170 stores).

The advantages also include prompt, friendly support service, fast (usually same day, maximum 3 business days) and convenient withdrawal of money without commission to any card of a Ukrainian bank, mobile number, WebMoney wallet. Minimum amount withdrawal – only 20 hryvnia. Register and start saving...

I didn’t describe everything; you can read about each in more detail in the section about cashbacks. But these are enough for the eyes, the rest are not so reliable and there are often many questions about them...

How to make money on cashback with Aliexpress?

In addition to the fact that through these cashback services you can make your purchases much cheaper, you can also earn a little extra money from them by attracting other people. Almost everyone has an affiliate program. If you attract other people through your referral link, you will receive a percentage of their income in the system.

For example, in LETY SHOP There is a progressive affiliate program, you start with 10%, but as you earn money, the interest rate is raised to 30%!

But you can make it simpler and connect an IMMEDIATELY increased rate of 30% for 150 rubles. per month. Agree, if you have a large volume of purchases, then this is VERY profitable!

Why am I telling you this? So that you are not limited to registering in only one place. You can use one, use the rest to attract other people, perhaps they will like something else and start working there.

If you know any other worthy sites from which you can get your percentage back from Aliexpress, then write about them in the comments, I will try to include them in the review. If someone behaves badly, then write too, so that others know and didn't lose your money.

Another great way to really save money on purchases is to use.

So you can learn about what cashback is and how to use it. Which service is best to use for aliexpress is ultimately up to you to decide for yourself, but what you learned from this article will undoubtedly help you with your choice...

Hello, dear readers of the blog site. Lately V information space The word “cashback” is being heard more and more often. It presses, weighs down and attacks our brain. They clearly want to lure us somewhere or attract us with this word that is not yet quite familiar to the ear.

Probably, the first association with it will be something related to plastic cards and some kind of percentage of deductions for purchases using them. But in fact, cashback extends much wider than the banking sector.

It turns out that many netizens no longer think online shopping without cashback, because this allows you to save significantly. In some ways, this can be compared with promotional codes for a discount, but here the scheme is still somewhat different, but no less effective. So what is Cash Back? Let's figure it out.

What is cashback in simple words

This term (word) is used to designate a kind of discount, which, however, is applied not before the purchase (i.e., does not reduce the original price), but after (after the fact). Cashback is usually expressed as a percentage of the amount you spent. Literally translated, this phrase means “money back” or, more succinctly, “refund of part of the money spent”.

Cash Back is used in different sphere commercial activities, but you and I will most often encounter this word when handling bank payment cards and when paying for goods in online stores. As I already said, almost everyone knows about the first option, but only a few know about the second smaller number people, although there you will be able to save much more on “post-discounts” (sometimes by several times).

Why should banks and online stores return part of our money? Why not keep them for yourself? What kind of patronage is this? ? I hasten to reassure you that cashback is just as beneficial for banks and stores as it is for you and me (and maybe even more). Agree that you feel much better when you understand that this is not “ free cheese”(dangerous), but a completely profitable enterprise for the “good uncle.” But how do they benefit from discounts? Let's figure it out.

For them (banks and online stores), the main thing is to sell a service or product. In the usual case, this requires spending money on advertising (on TV, on the Internet, in newspapers, etc.). The cost of a product or service already includes the price of advertising. Already! But if you make advertising more effective (that is, reduce its share in each product or service), then the price can be reduced.

Here this is precisely the purpose they serve various promotions, discounts, sales and our review hero - cashback. Agree that if discounts are advertised, then the return on advertising increases significantly and these same discounts (although in our reality they are often fictitious) will not hit the seller’s pocket, because they will reduce the percentage of the advertising component in each unit of goods.

Cash Back is generally a wonderful thing. It’s one thing to buy a product cheaper, but quite another to get some of the money back from your purchase. Even from a psychological point of view it can be attractive. Well, this is beneficial for banks and sellers, first of all, because for some time this money (your cashback) can be “spinned”, i.e. use for your own purposes. For us this is a trifle, but for them it is an additional benefit and a good argument for “cashback” when choosing the option of the offered “attractive discount”.

Cash Back for bank card payments - how to use it

Let's first Let's go over the cashback of bank cards. We found out that this is a tool for attracting new cardholders, because using them becomes more profitable for people than paying with “cash” (cash), because Some of the money for purchases is returned. Well, it’s beneficial for the bank to have your money on its cards, because it can be “turned over” (lent out at high interest rates).

In addition, banks charge stores a percentage for paying for goods with their card, and this percentage either completely covers the cashback included in the card, or mostly compensates for it. In general, the bank won’t be left with any money – you don’t have to worry about it. Those. Cash Back on payment cards is in no way “free cheese”, but a wonderful “deferred discount”, which is more profitable than a regular (effective immediately) discount, because the money still remains in circulation.

How is cashback on payment cards beneficial to you and me?? Obviously, this way you can save money (a trifle, but nice). But it is still worth studying the proposals of various banks in this regard, because:

Different banks may have different Cash Back percentages. Here you need to choose the golden mean between convenience and benefit.
Some banks offer “cash back” only for purchases at certain stores, gas stations, cafes, restaurants, etc. Be careful, because this can seriously change the “alignment”.
Quite often, banks can change the percentage of money returned upon purchase, which is called “on promotion”. Let’s say this month there are big discounts (high cashback percentages) on “everything for repairs”, and tomorrow on something else.

All in all, to get the maximum benefit from this business, one must “always be aware.” It probably makes sense to subscribe to their email or SMS newsletter bank so as not to miss out on your “golden cashback”.

Withdrawal of cashback (and partner rewards) is possible starting from the amount of $0.2 to electronic wallets (WebMoney, Yandex Money, Qiwi) or to a plastic card (bank account).

LetiShop - Cash Back in 1000 online stores

LetiShop- this cashback service does not have a very high percentage of money back from AliExpress (compared to EPN), but it has almost thousand online stores(including popular ones in RuNet).

How about, for example, a 21% refund on Player.ru? This online store already has the best prices for almost everything, but then such a crazy amount will be returned through LetiShop. It’s a pity that I didn’t know about this when upgrading my computer park. True, the return percentage will be different for different groups of goods (from 1 to 21 percent).

To purchase, just go to the store from the LetiShop website, or you can install Letyshops extension into your browser to see Cash Back for the online stores you visit and quickly apply it.

When the refund is activated, the plugin icon will be green, and if it is not yet activated, the plugin icon will be red. Keep this in mind when shopping.

Other popular Cash Back services

CashFoBrands— is considered almost the best of all cashback services in terms of benefits and reliability of receiving returns. You can withdraw amounts starting from one ruble to plastic cards, e-wallets or accounts mobile phone. It cooperates with almost a thousand stores where you can get a fairly decent percentage of returns (for example, on AliExpress cashback up to 10%).
It is possible to get free coupons for additional discounts. Also, if you find another cashback service with a higher percentage of returns, you can contact the Cash4brands administration and get a better offer from them.
To receive a refund on your purchase, the right store you need to enter only from the pages of this service by finding and clicking on the name of the store in the list, or using the search at the top of the page.
AliBonus— a highly specialized cashback service, focused on returning part of the money only for purchases on AliExpress. The refundable percentage is quite large - 10%. But it is cumulative. At first you will have 7%, but as the number of purchases increases, the deductible percentage will also increase (up to the coveted ten).
To activate cashback, just click on the button of the same name on home page service, or install their extension in your browser. Withdrawal of money returned for purchases is possible to QIWI, Webmoney, Yandex-money, cards of Russian and Ukrainian banks, as well as to a phone number account.
— a well-known service of discounts and coupons has also launched a cashback platform; the database already includes all major stores.
Interestingly, returns are available not only for online purchases, but in regular stores - you just need to take a photo of the receipt. There is also a browser plugin that will always tell you if there is an opportunity to save money.
CopyCat— a cashback service with many online stores (more than a thousand, including the purchase of air and train tickets), from which a refund is possible. There is a plugin for browsers for your convenience, and in the left menu of CopyCat you can also find additional discounts. Current promotions and supercabs that are taking place will also be listed there.
Withdrawals are possible via plastic cards or various systems electronic money, as well as to your mobile phone account. The minimum amount for withdrawal is 500 rubles.

But in general

There is an expression: if you save, you earn it. And I fully support him. If you have the opportunity to buy goods or get a bank card with a partial refund (even if small), then you should not neglect it. Another thing is that in order to save more money, you will need to compare cashback percentages in various services in order to choose the best. But even a worse return rate will be better than none at all.

You saved a little here, a little there - that’s the amount you need to buy something else that you otherwise wouldn’t be able to afford. IMHO.

Good luck to you! See you soon on the pages of the blog site

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