CashBack how to implement the service?

Question

Yii

Maybe there are those who implemented and tell me?
I understand how it works:

1. the client enters the cashback site. Registers personal accounts
   
2. Receives a bonus code or affiliate link from me
   
3. Makes a purchase with a bonus code - it's easy to track here. For each user, their own code for them and look for and return cashback by bank or electronic transfer.
   
4. Makes a purchase through an affiliate link how to track here?
   

It is not entirely clear how this works from a programming point of view. Will each partner store have to do their own integration or give their API for tracking / referral link? And already after purchases at the end of the month, the partner and the owner of the cashback site verify and make payments?

Answer 1

Engaged in the system of collective loyalty for a year and a half.
There is a lot of obscurity here, not from the point of view of programming, but primarily from the legal point of view.
First you need to decide on the legal status of these bonuses - is it money or not money.
If you have money, you really need to open an account for a client in a bank or an NPO, pay 13% personal income tax for a client, and all the delights of 161-FZ.
If not money, the question arises of justifying financial transfers between legal entities, and the idea of ​​\u200b\u200bpayments to the card is covered.
There is no unequivocal solution, each loyalty system goes its own way, but in general, the development of a scheme and legal justification takes months.
On the technical side, I can offhand voice many implementation options, but you need to build on the needs of partners:
You can publish your gateway outside and hope that they will integrate with it.
You can integrate at the level of accounting software / site / crm partners by preparing modules for the main systems.
You can do post-analytics of the partner's bank statement.
You can run separate interfaces on your side with minimal integration.
In some areas of business partners one works better, in others - another.
PS
Judging by the question, you are only at the beginning of this journey.
I strongly advise before the start of the project:
a) Work out the legal part.
b) Find the first anchor partners. At the same time, you will understand how it is more convenient for them to integrate with you.
In general, I advise you, at least at the start, to follow the path that is as simple as possible for an integration partner.
Simple from a business point of view (!), not a developer.