The Spending Power Network

Everyone gets more.
No one pays extra.

Gratitudes connects household bill providers with local merchants — giving consumers value-back they actually spend in their community.

For merchants → For bill providers
$0
Cost for merchants to join
100%
Of issued value assumed redeemed
$0.10
Per Gratitude issued — the only fee
3
Stakeholders, all better off
How it works

One network. Three stakeholders.
Everyone wins.

Issuers
Bill providers & telcos

Energy companies, insurers, and telcos issue Gratitudes to customers as value-back on bills — deepening loyalty while driving real community spend.

Explore for Issuers →
Redeemers
Local merchants & businesses

Cafés, retailers, gyms, and service businesses accept Gratitudes as part-payment. New customers arrive pre-motivated — zero fees, zero acquisition cost.

Explore for Redeemers →
Consumers
Everyday bill payers

Customers earn value-back on bills they already pay — energy, insurance, phone — and spend it at local businesses. Their bills just got more valuable.

Learn how consumers benefit →
For Consumers

Your bills just got more valuable.

Every time you pay your energy bill, insurance premium, or phone plan, you earn Gratitudes — value-back you can spend at local businesses in your area.

✦
Automatic — no sign-up required
Your bill provider handles everything. Gratitudes appear when you pay your bill.
→
Spend locally, not just online
Use Gratitudes at participating cafés, retailers, and service businesses near you.
$
Real value, not loyalty points
Gratitudes reduce what you pay at the counter — they're spending power, not discounts that expire.
Example transaction

$60 coffee purchase

Transaction value$60.00
Gratitudes applied (25%)− $15.00
Customer pays$45.00
Merchant's acquisition cost$0
Live Pilot

Parramatta is live now.

We're building the Spending Power Network in Western Sydney. If you're a local merchant, join today — it's free.

See the Parramatta pilot → Join as a merchant