How Cashback Actually Works
Ever wondered where cashback money comes from? It’s not magic — stores pay us advertising commissions when you shop, and we share that money straight back with you!
The Cashback Money-Flow Engine
Follow the journey of a €100 purchase made through Backy
You Make a Purchase
You click through Backy to a partner store (e.g. MediaMarkt) and buy a €100 item normally.
Store Pays Referral Fee
MediaMarkt pays Backy a 10% (€10) marketing commission for referring your sale.
Backy Splits Fee
We keep €2 to run our platform and allocate €8 straight to your balance.
Cash Sent to Your Bank
Withdraw your €8 earnings directly to your bank account, PayPal, or gift cards!
The 3-Phase Cashback Lifecycle
What happens behind the scenes from your first click to your final payout.
Click & Cookie Activation
When you click "Go to Store & Earn", Backy attaches an encrypted tracking tag (affiliate cookie) to your browser session so the store knows you came from Backy.
Order Verification
Your transaction appears as "Pending" in your Backy balance. The merchant verifies the order (typically 30–60 days to ensure no returns or cancellations occur).
Payout Confirmation
Once confirmed by the merchant, status turns "Available". Withdraw instantly via SEPA Bank Transfer, PayPal, or Digital Gift Cards with 0 hidden fees.
Why Backy is 100% Free
We never charge membership fees or take cuts from your cash earnings.
❌ Traditional Ad Networks
- • Show annoying banner ads everywhere
- • Keep 100% of store referral commissions
- • Charge subscriptions or annual fees
- • Sell user data to third-party brokers
✅ Backy Fair Revenue Model
- • Zero user fees — 100% free forever
- • We share 80%+ of commissions directly with you
- • No ad clutter or forced popups
- • Strict EU privacy & bank-grade encryption
Frequently Asked Questions
Is cashback really free money?
Yes! Merchants set aside marketing budgets to acquire customers. Instead of spending that budget on TV or Google ads, they pay us, and we pass the majority directly to you.
Does buying through Backy increase product prices?
No. You pay the exact same price as shopping directly on the retailer's site. In fact, combining cashback with coupon codes saves you even more money.
How long does cashback take to confirm?
Cashback tracks in your account within 2–24 hours as "Pending". Confirmation takes 30–60 days to clear return policy windows before turning "Available".
What is the minimum payout amount?
You can request a payout as soon as you have €10 in available cashback. Payouts are processed instantly to PayPal or SEPA bank accounts.