Solution
Smart Coupons
Enterprise retail promotion infrastructure for Europe.
Brand‑funded retail promotions should scale — without structural friction.
Smart Coupons is a coordinated validation infrastructure enabling harmonised cross‑retail execution of brand‑funded promotions across European markets. It supports multi‑market scale while preserving full retailer governance, commercial autonomy and existing settlement structures.
The model operates as a structured collaboration between Retail Rush (independent coordination and governance) and epay (licensed European payment and retail infrastructure), combining harmonised validation oversight with regulated settlement rails.
Built for harmonised cross‑market scale.
Designed to protect retailer control.
Structured as a neutral enterprise coordination layer between brands, agencies and retail chains.
Designed to support central brand governance across markets.

The Challenge
Structural fragmentation in multi-retail environments.
The problem
As brands scale activation across markets, structural complexity quietly increases below the surface.
Brand‑funded retail promotions increasingly run across multiple retailers and multiple markets simultaneously.
But validation logic differs per retailer, settlement structures vary by country, and reporting formats are rarely aligned.
As activation grows
  • Configuration complexity multiplies
  • Budget reconciliation and performance comparison becomes heavier
  • Cross‑market comparability declines
  • Central brand teams lose unified financial and validation visibility as campaign volume scales
  • Governance and compliance review intensifies
  • Audit burden and financial exposure increase as validation logic fragments across markets
At small scale this is manageable. At multi‑market scale, coordination becomes necessary.
The issue is not activation performance — it is structural misalignment beneath activation.
The Solution
A harmonised validation infrastructure.
Designed to enable cross‑retail harmonisation through coordination — never through centralisation.
Smart Coupons introduces a coordinated validation model that enables harmonised cross‑retail execution, allowing brands and agencies to scale campaigns across retailers and markets without restructuring underlying operational logic.
The infrastructure supports multi‑retail execution while preserving full retailer governance at every redemption stage. Harmonisation occurs at the validation coordination layer — not at the level of pricing, settlement agreements or POS authority.
Consumers complete a validated claim linked to a selected retailer. Depending on campaign design, validation occurs through two coordinated methods:
Remote claim — Digital validation during the campaign period generates a retailer‑specific, time‑bound, single‑use redemption code, redeemable in store within a defined window.
In‑store conditional claim — Validation is initiated within a selected retail environment. Following product verification (e.g. EAN scan), a short‑duration, single‑use redemption code is generated for immediate use.
In both cases, validation produces a unique, time‑bound code recognised and processed within existing retailer POS systems, where the discount is applied subject to retailer acceptance.
Promotional value is recognised only upon POS validation and explicit retailer approval.
Redemption remains fully retailer‑controlled within existing POS and compliance systems, with settlement routed through established commercial and financial channels.

Positioning
Governance positioning within the ecosystem.
Built to support — not to replace.
1
Activation systems remain fully intact.
2
Smart Coupons does not own campaigns, commercial terms or retailer relationships.

Campaign control remains entirely with brands and agencies.
3
The infrastructure does not intervene in pricing, settlement agreements or retailer governance frameworks.
Pre‑aligned validation reduces repeated retailer approval cycles, shortens onboarding time and simplifies reporting alignment as campaigns scale. Once aligned, expansion across additional retailers no longer requires structural rebuilding.
Process
Operational validation framework: five coordinated stages.
01
Secure code issuance
Unique single‑use value codes are issued within established payment infrastructure and aligned with the Smart Coupons validation framework.
02
Agency‑led activation
Agencies deploy campaigns on behalf of brands across participating retail environments.
03
Validated retail‑specific claim
Consumers complete a validated claim linked to a selected retailer. Depending on campaign design, validation may occur:
  • Remotely during the campaign period; or
  • In‑store through conditional product verification (e.g. EAN scan).
In both cases, validation generates a unique, time‑bound, single‑use redemption code.
This validated retail‑specific claim — not the final redemption — forms the harmonised cross‑retail coordination event.
04
Harmonised reporting
Validated claim data — rather than fragmented redemption data — provides the consistent reporting and reconciliation reference across participating retail chains.
05
Retailer‑controlled redemption
The generated code is recognised and processed within existing retailer POS systems, where the promotional discount is applied upon retailer acceptance.
Promotional value is only recognised at the moment of POS validation and retailer acceptance.
Redemption remains fully retailer‑controlled within existing POS and compliance frameworks.
deployment
Single or multi‑retail deployment.
The infrastructure supports both single‑retail and multi‑retail campaigns. One coordinated validation backbone operates across participating environments — without adding structural complexity or changing retailer systems.
As activation expands across retail chains or borders, the validation structure remains consistent.
As participation expands, coordination efficiency and cross‑market comparability strengthen proportionally..
Early alignment avoids costly adjustments later. Activation continues to move quickly — without structural friction building underneath.
retail control
Preservation of retail authority.
For participating retail chains, Smart Coupons 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 pre‑transaction or 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 validation routing with established payment rails, expansion leverages existing infrastructure rather than building parallel systems, creating structural continuity across participating markets. Coordination and cross‑stakeholder governance within this infrastructure framework is operated independently by Retail Rush.
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 cross‑market coordination metrics
  • Simplified finance reconciliation as budgets scale
  • Structural execution rail for brand‑funded retail promotions
  • Reduced fraud surface and strengthened financial stability compared to a fragmented promotion model
  • Reduced structural audit exposure across markets
  • Centralised governance visibility across participating markets
Retailers
  • Improved audit clarity and validation control
  • Governance that keeps pace with campaign volume
  • No alteration to pricing, trade terms or POS authority
  • Settlement operating on existing regulated payment rails
Agencies
  • One coordinated backbone across participating retailers
  • Scalable routing without repeated structural rebuilds
  • Activation speed maintained as networks expand
Documentation
Operational and compliance documentation.
1
Executive Infrastructure Overview
Strategic positioning of the Smart Coupons structural model, three‑layer architecture and authority safeguards.
2
Governance Framework
Authority allocation, risk containment doctrine, neutrality principles and financial governance boundaries.
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.

Retail Rush operates the coordination and governance layer across participating brands, agencies and retailers — within defined infrastructure boundaries.
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structured dialogue
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Engagement is relevant where cross‑market validation complexity intersects with regulated settlement exposure. 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. Where multi‑market brand‑funded retail promotions become structurally complex, a coordinated infrastructure dialogue may be appropriate.
Graaf Engelbertlaan 75
4837 DS Breda, the Netherlands
From mid-June: 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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