Independent Engine
As an integral component, the promotion engine provides a broad range of capabilities under the premise of full control over promotion calculation. Summa+ centralizes the definition, execution, and analysis of promotions in real time through its own engine, enabling issuers and payment ecosystems to design more agile, controlled, and measurable campaigns.
It unifies promotional logic into a single service that evaluates each monetary transaction or any event defined by the entity, determines the best applicable benefit, and incorporates an analytical layer that measures performance, simulates impact, and provides full traceability for operations, reconciliation, and decision-making.
Events
Summa is capable of receiving different types of events, such as online authorizations from processors, that impact the promotion and loyalty calculation logic.
This allows the platform to capture various user interactions that can be translated into benefits and help strengthen customer loyalty.
Real-Time Promotions
The engine evaluates promotions in real time for each transaction, determining the applicable benefit at the moment of the operation.
This enables immediate experiences such as online cashback, enhancing the value proposition for customers and ensuring accuracy in benefit application.
Management API
The management API enables full administration of the promotion lifecycle, including creation, modification, and transaction processing.
It facilitates integration with external systems and ensures agile, decoupled operations.
Online Cashback
The platform manages the calculation and recording of monetary benefits in real time, both as cashback and as credit adjustments to the account, while also calculating and accumulating points associated with promotions.
It facilitates settlement and reconciliation processes, ensuring consistency between what is applied online and what is posted to accounting or processing systems.
Caps and Accumulators
Summa manages caps and accumulators centrally, allowing limits to be defined by transaction, period, or campaign, as well as by number of uses.
It supports accumulation by card, account, or promotion, ensuring budget control.
Multiple Rule Types
Summa enables the definition and execution of complex promotional rules in real time, considering multiple business variables, segmentations, and operational conditions.
Its flexibility makes it easier to create dynamic and personalized campaigns without the need to modify consuming systems or transactional flows.
Summa Analytics
An analytics platform designed for promotion monitoring and optimization, enabling the analysis of performance, transactional behavior, and cashback metrics through multidimensional reports and advanced filters.
It centralizes operational and commercial indicators related to promotions, categories, geographies, and payment methods, facilitating decision-making, trend analysis, and the generation of executive reports without impacting transactional operations.
Database-Agnostic Architecture
Summa uses an agnostic persistence architecture that allows it to operate on different database engines according to each client’s needs and technological ecosystem.
This facilitates integration, reduces infrastructure dependencies, and provides greater flexibility for on-premise, cloud, or hybrid deployments.
Promotion Segmentation
Summa enables advanced campaign segmentation by merchant, category, payment method, customer, or geographic context.
It also includes the ability to define specific rules and overrides within the same promotion, achieving precise personalization without increasing operational complexity.
Summa Insights
An intelligent web portal for promotions, operations, and support teams, centralizing queries, diagnostics, and analysis of the promotional ecosystem through a single interface.
It enables users to explore information in natural language through AI, analyze transactions and cashback, execute operational reprocessing, and access the promotion and merchant catalog without requiring technical tools or direct database access.
