Powering Local Commerce one transaction at a time
BuildUp is a data-driven local commerce network connecting lower-cost merchant payments, interoperable consumer rewards, and actionable economic insights to drive repeat local spending and show communities the impact of buying local.
More Value for Local Businesses. More Reasons to Shop Local.
One Platform. Stronger Local Economies.
Local businesses are the heartbeat of our communities. But high payment costs, disconnected rewards, and limited economic visibility make it harder for them to thrive. BuildUp brings payments, rewards, and economic intelligence together so businesses can keep more of what they earn, shoppers have more reasons to return, and communities can see the impact.
For Local Businesses:
Keep more. Bring customers back. Grow together.
BuildUp helps local businesses cut payment costs, reward shoppers, and connect with other merchants through one local commerce network.
- Lower Your Payment Costs
Keep more of each eligible sale with processing fees that can be up to 50% lower than typical card rates, depending on transaction and withdrawal costs.
- Get Paid Fast. Pay Business Easily.
Receive payments quickly in your BuildUp wallet. Withdraw to your bank or pay participating vendors directly, helping local commerce circulate.
- Works alongside Your Existing Setup
Keep your current POS. No new hardware, onboarding fees, mandatory subscriptions, or long-term contracts. Start with your compatible phone.
- Reward customers. Keep Them Coming Back
Shoppers earn rewards on eligible purchases and can redeem them across participating businesses, giving them reasons to return and discover you.
Your business deserves more than payment processing. Keep more revenue, inspire repeat visits, and grow with your community. As more businesses connect, each purchase can help create opportunities for others.
For Consumers
Shop Local. Earn Rewards. Spend Across Your Community.
Get rewarded for supporting the places you love. BuildUp makes everyday local shopping more rewarding while helping your community thrive.
Earn Here. Redeem Across Local Businesses.
Earn BuildUp rewards on eligible purchases and redeem them across participating businesses, not just where you earned them.
- Discover More. Earn More Reasons to Return.
From coffee shops to neighborhood services, shared rewards encourage you to explore nearby businesses and keep coming back.
- Turn Everyday Spending Into Community Wealth
Choose to round up your purchases. Those extra cents help strengthen local businesses and keep more money circulating locally.
- See Your Local Impact
Track your purchases, rewards, and the businesses you support. See how your everyday spending contributes to local economic activity.
Your everyday coffee, haircut, or corner-store visit becomes more rewarding. Earn rewards you can use, discover local favorites, and help the businesses that make your community special grow together.
Why Choose BuildUp?
Lower Fees. Local Rewards. Measurable impact.
By choosing BuildUp, every payment does more than complete a transaction. It keeps more money circulating locally, strengthens small businesses, and builds a stronger local economy.
How Local Commerce Creates More Local Commerce
When Local Spending Grows, Everyone Has More to Gain.
BuildUp is designed to turn everyday purchases into a cycle of shared economic growth. More local spending supports businesses, more business activity creates opportunities for stronger rewards, and those rewards encourage people to shop local again.
Shop Local. Earn Shared Rewards.
Each eligible purchase supports a participating local business and earns rewards customers can redeem across other businesses in the network.
Businesses Grow Better Together.
As local businesses grow, they can pay participating suppliers and vendors, helping more commerce flow among local businesses in the network.
More Commerce. Stronger Rewards.
BuildUp reinvests a share of eligible merchant-to-merchant transaction margins into shared rewards, encouraging repeat local spending.