The Award-Winning

ION Commerce EngineTM (ICE)

We’re the cloud platform behind our corporate clients’ mobile pay & loyalty apps reaching more than 150 million consumers. Our engine and beacon network drives greater adoption and more frequent app use. Clients and partners may white-label our mobile apps for consumers and merchants, or enhance their own mobile apps using our APIs.

The ICE mobile payments and loyalty platform combines our extensive GeoSense® beacon network with IBM Watson Analytics to provide powerful market insights, such as customer spending traits, loyalty and transaction trends, and demographic data, that drive awareness and generate more frequent app usage. Our partners and clients benefit from those analytics. Coming soon: predictive, personalized offers and dynamic customer rewards.

The ICE payment and loyalty platform is also easily integrated with popular payment terminals and point of sale systems for enterprise clients, supporting mobile payments from most any iOS or Android device and any bank-issued credit or debit card.

We operate the nation’s fastest growing merchant marketplace, comprised of large chain retailers and small businesses alike. We support our partners' mobile apps with our APIs, adding mobile payments and proprietary rewards for their Mobile Rewards App users. Merchants participate in the Mobile Rewards Marketplace by connecting payment terminals or point of sale systems to the ICE platform. They pay a small fee when Mobile Rewards App customers pay with their apps, and we share the fee with partners.

Rewards App Partners

Through our partner relationships and technology integrations, we're committed to creating more value for your own rewards currency, whether miles, room nights or points. The Mobile Rewards Marketplace is a great way for your customers to earn and burn their rewards. Your loyal customers can even exchange their rewards for cash at thousands of ATM locations nationwide.

Call us at (866) 471-9112 or email

Small Business Solution

Our cloud-based web and mobile apps work alongside existing point of sale systems and standalone rewards programs. Small businesses joining the Mobile Rewards Marketplace gain instant access to millions of mobile app users, and are charged a small fee only when customers pay with their apps.

Simply apply for a mobile account with Chase. With our group pricing and zero markup, your business will receive low payment processing fees.

Accepting mobile payments is as easy as 1-2-3. Sales are entered as usual. Clerks use the mobile app to enter the amount due along with a secure, 3-digit code displayed on the customer’s phone. That's it.

Rewarding good customers is even easier. Set the reward amount - typically 2% to 10% depending on the business type - and our system does the rest. Upon successful mobile checkouts, customers are automatically rewarded that percentage of the sale amount.


Consumer Solution

Whether you bake our APIs into your consumer app or white label ours, your mobile customers gain instant access to the Mobile Rewards Marketplace, personalized offers or savings, and free stuff from our Perks providers.

Our proprietary, GeoSense® iBeacon network features welcome notifications and one-tap mobile checkouts, driving greater consumer adoption and more frequent app use. We pick up the cost to supply and manage iBeacons at merchant locations and offer custom-tailored messaging for each branded app.