| Program fee | Channel incentives, employee recognition programs, prepaid card-related revenue | Strong bank partnerships, extensive card issuance network, integrated incentives platform | Corporates, channel partners (B2B) | Software platform fees and card transaction revenues | 546 | 42 | Program fees and interchange revenue from prepaid card transactions | Fee per transaction and subscription | Digital corporate incentives adoption, prepaid card usage growth | Propel channel and employee reward platform |
| Platform fee / SaaS fee / service fee | SaaS-based employee expense and invoice management solutions, tax compliance services | Integrated financial workflows, automation capabilities, established client base | Businesses of all sizes (B2B) | SaaS platform services | 36 | 3 | Subscription and usage-based SaaS fees | Recurring SaaS subscription and service charges | Corporate digitization, regulatory compliance needs | Save expense management, Zoyer payment integration platforms |
| Propel platform revenue / gift card | Prepaid gift cards, customer engagement and loyalty solutions | High volume card issuance, relationship with multiple banks, market-leading platform | Corporates and end users (B2B2C) | Gift card and prepaid card transactions | 722 | 55 | Interchange fees, program fees, merchant commissions | Transaction-based fees and commissions | Growing prepaid card adoption and customer engagement programs | Propel prepaid card platform |
