Solution

InstantClaim™

A harmonised validation infrastructure for measurable in‑store performance at European retail scale.

Brand‑funded retail activation should scale across retailers and markets — without structural friction and without losing performance comparability.

As campaigns expand internationally, measurement fragments.

InstantClaim™ introduces a harmonised, in‑store activation‑based claim signal — generating one consistent In‑Store Claim KPI across retailers and markets, enabling comparable media‑to‑store performance visibility.

InstantClaim™ structurally distinguishes between In‑Store Claim Rate (ISCR) — measuring activation efficiency — and In‑Store Claim Volume — measuring absolute (validated) scale.

No structural rebuild per retailer.
No market‑by‑market redesign.

Not media.
Not creative.
Not a coupon platform.

InstantClaim™ operates strictly within existing retailer contractual, financial and POS frameworks — while enabling cross‑market performance visibility for brands without requiring brand IT integration.

Built in collaboration with Retail Rush and epay, it provides a scalable in‑store validation backbone for European retail activation and cross‑market activation accountability.

The Challenge

Structural misalignment in cross‑retail performance measurement at scale.

As brand‑funded retail campaigns scale across retailers and markets, execution expands — but measurement fragments.

Transaction data is retailer‑specific.
Redemption logic differs.
Settlement structures vary.
Reporting is rarely aligned.

What scales commercially
does not scale structurally.

The result

Limited cross‑market comparability.
Growing reconciliation complexity
Reduced governance clarity.

Limited ability to defend activation ROI at HQ level.

The issue is not campaign performance.

The issue is the absence of a harmonised validation layer beneath execution.

Without a harmonised in‑store performance unit, cross‑retail conversion cannot be governed or compared consistently at European scale.

Without a harmonised claim rate definition and a structurally aligned claim volume metric, cross‑retail ROI comparability remains fragmented.

The Solution

A harmonised in‑store claim infrastructure layer embedded within existing retail ecosystems.

Harmonised across retailers — without centralising commercial control.

Standardised validation logic — without altering retailer economics.


InstantClaim™ enables brands and agencies to scale campaigns across retailers and markets without rebuilding operational logic for each chain or country.

Retailers retain full POS authority at every redemption stage. Harmonisation takes place at the validation coordination layer — not at pricing, settlement agreements or POS authority.

Consumers initiate validation within a selected retail environment. An In‑Store Claim is recorded when the required in‑store activation step is completed and the system generates a unique, time‑bound, single‑use barcode. The In-Store Claim Volume is the absolute number of In-Store Claims:

Validation models

1

SKU‑validated campaigns

Validation includes real‑time, retailer‑specific product verification (via barcode scan), followed by issuance of a short‑duration, single‑use redemption code.

2

Light campaigns

Validation is triggered by in‑store activation without SKU verification, while maintaining identical claim logic and time‑bound code issuance.

In both cases, validation generates a unique, time‑bound code recognised and processed within existing retailer POS systems, where discounts are applied subject to retailer acceptance.

The measurable unit is not the coupon, but the system‑confirmed in‑store claim event.
The In‑Store Claim Rate and the In-Store Claim Volume are therefore the direct structural output of the validation layer itself — ensuring harmonised KPI integrity across participating retailers.

Promotional value is recognised only upon POS validation and explicit retailer approval. Redemption remains fully retailer‑controlled within existing POS and compliance systems.

Positioning

Governance positioning within the ecosystem.

Built to support — not to replace.

1

InstantClaim™ integrates within existing activation environments.

2

Campaign control remains entirely with brands and agencies.

3

The infrastructure does not intervene in pricing, settlement agreements or retailer governance frameworks.

Pre‑aligned in‑store claim validation reduces repeated retailer approval cycles, shortens onboarding time and standardises the 30‑minute conversion window KPI across retailers.

Once aligned, expansion across additional retailers no longer requires structural rebuilding. Structural alignment at validation level ensures that conversion measurement scales without proportional reporting complexity.

Because the KPI logic is embedded in the validation coordination layer, comparability of both ISCR (efficiency) and (validated) In-Store Claim Volume (scale) is preserved as retail participation expands.

Process

Operational validation framework.

01

Secure code issuance

Unique single‑use value codes are issued within established payment infrastructure.

02

Agency‑led activation

Agencies deploy campaigns on behalf of brands across participating retail environments.

03

(Validated) retail‑specific In-Store Claim

Consumers receive a retailer‑specific, time‑bound, single‑use code following In‑Store Activation.

Claim generation — not redemption — forms the structural KPI event.
In-Store Claim Volume reflects the total number of (validated) activation events.

04

Harmonised reporting

(Validated) claim data — rather than fragmented redemption reporting — forms the cross‑retail conversion KPI backbone.

The (validated) claim becomes the primary cross‑retail conversion unit — not the redeemed coupon itself.

Every (validated) claim follows the same structural time‑bound logic, ensuring the In‑Store Claim Rate (ISCR) remains harmonised across retailers.

05

Retailer‑controlled redemption

The generated code is recognised and processed within existing retailer POS systems.

Promotional value is recognised only upon POS validation and retailer acceptance.

Claim rate, redemption rate and conversion proximity are measurable within a defined time window.

06

Supported value instruments

  • Retail gift cards
  • Single‑use promotional codes
  • Coupons
  • Conditional in‑store claims
  • Multi‑retail brand‑funded campaigns

deployment

Single deployment. Flexible multi‑retail scale.

One campaign structure.
Three scalable activation configurations.

Model 0 — Single‑retail national activation

One campaign deployed within a single retailer in a single market. Validation aligned from day one, enabling frictionless expansion if participation grows.

Example: A brand activates within one national grocery chain under a harmonised validation backbone.

Model 1 — Pan‑European multi‑retail activation

One campaign deployed simultaneously across multiple retail chains and countries. Validation remains harmonised; redemption remains retailer‑specific.

Example: A brand activates across 8 retailers in 4 European markets under one coordinated validation structure.

Model 2 — Single‑country multi‑retail choice

One campaign within a single market, allowing consumers to select among participating retail chains. Validation unified; retail control intact.

Example: A national campaign running across 3 major grocery chains, with consumer‑selected retailer validation.

Across all models, the In‑Store Claim KPI and 30‑minute conversion window remain structurally consistent and governance‑aligned, enabling comparable activation performance regardless of retailer count or market expansion.

The KPI structure distinguishes clearly between activation efficiency (ISCR) and (validated) activation scale (In-Store Claim Volume). The In‑Store Claim is structurally anchored in (validated) in‑store activation — not in remote registration or intent declaration.

retail control

Preservation of retail authority.

For participating retail chains, InstantClaim™ functions strictly as a validation coordination layer — not as a commercial intermediary.

Retailers retain:

  • Full POS authority and redemption control
  • No alteration to pricing, trade agreements or margin structures
  • No parallel settlement systems
  • Compliance governance within existing internal frameworks

The infrastructure harmonises validation coordination across markets while preserving retailer autonomy at store level.

Validation may be executed at point‑of‑sale, while commercial decision‑making and transaction control remain fully with the retailer.

Participation does not require surrendering commercial control — only coordination at the validation layer.

Architecture

Infrastructure architecture overview.

The validation architecture is built on epay's licensed and contractually embedded European retail distribution network— part of Euronet Worldwide (NASDAQ: EEFT), operating across 200 countries and processing 20+ billion transactions annually.

By aligning In‑Store Claim routing with established payment rails, InstantClaim™ operates as embedded infrastructure — not as a promotional overlay or media execution layer.

The In-Store Claim KPI, which structurally separates ISCR (efficiency) and In-Store Claim Volume (scale), is generated at the moment of system-confirmed in-store activation within this layered architecture. It is not added as a reporting abstraction, which ensures that the metric originates from the infrastructure rather than from post-campaign reconciliation.

Distinct layers. Integrated structure. Retail authority preserved.

Governance

Institutional neutrality.

Retailers

Retain full compliance authority over redemption and POS operations

Brands

Retain strategic and budget ownership throughout

Agencies

Retain activation leadership across all campaigns

Data custody and access rights remain defined within existing commercial agreements between brands, agencies and retailers. The infrastructure combines regulated payment execution (epay) with independent cross‑retail coordination (Retail Rush), ensuring centralised coordination while the commercial authority remains distributed among the participating stakeholders.

Neutral. Embedded. Expanding.

value at scale

Enterprise impact at scale.

Brands

  • Comparable media‑to‑store conversion efficiency across markets
  • One consistent In‑Store Claim Rate (ISCR) across retailers
  • Clear distinction between activation efficiency (ISCR) and absolute (validated) In-Store Claim Volume (economic scale)
  • Infrastructure‑originated KPI logic ensuring structural cross‑retail comparability
  • Stronger ROI defence at regional and global HQ level
  • Reduced fraud exposure through single‑use, time‑bound validation
  • Simplified financial reconciliation as budgets scale
  • Centralised governance and structured traceability across validation and settlement


Retailers

  • Improved audit clarity and validation control
  • Governance that scales with campaign volume
  • No alteration to pricing, trade terms or POS authority
  • Settlement via existing regulated payment rails
  • Conversion‑proximate traffic within defined time windows

Agencies

  • One coordinated infrastructure across participating retailers
  • Scalable routing without structural rebuilds
  • Activation speed maintained as networks expand
  • Cross‑retail claim‑based reporting consistency
  • Retention of commercial ownership and KPI interpretation
Documentation

Operational and compliance documentation.

1

Executive infrastructure overview

Strategic positioning of the InstantClaim™ structural model, three‑layer architecture and authority safeguards.

2

Governance framework

Authority allocation, risk containment doctrine, neutrality principles and financial governance boundaries.

Structural KPI definition: ISCR calculation logic and In-Store Claim Volume recognition principles.

3

Campaign operating model

Step‑by‑step execution logic for single‑ and multi‑retail campaigns, including validation, code issuance and settlement routing.

4

Infrastructure & distribution governance

Alignment with epay’s regulated payment and retail distribution infrastructure (Euronet Worldwide, NASDAQ: EEFT), code generation and activation governance, API structure, fraud allocation, upstream dependency and custody clarification.

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structured dialogue

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Engagement is relevant for organisations operating brand‑funded retail promotions across multiple retailers or markets where reconciliation complexity and audit scrutiny increase as scale grows. The focus is structural alignment beneath activation — not replacing commercial relationships or redistributing operational authority.

Early structural alignment reduces approval delays, simplifies finance validation and strengthens audit clarity as campaign volume increases, particularly in multi‑market brand environments where accountability requirements intensify. Where multi‑market brand‑funded retail promotions become structurally complex, a coordinated infrastructure dialogue may be appropriate. Dialogue may include KPI harmonisation, ISCR benchmarking logic and (validated) In-Store Claim Volume governance at scale.

Graaf Engelbertlaan 75

4837 DS Breda, the Netherlands

From mid-July: Heerbaan 14

4817 NL Breda, the Netherlands

+31 (0)6 22379107

Chamber of Commerce: 82747741

VAT Identification Number: 8625.89.290.B.01

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