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← Embedded Finance Index 2026/Vendor

Points or Cash

Provider
Travel

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 1 company across 1 category.

pointsorcash.com ↗Also analysed as a company — its own stack →
CategoriesTravel
Rank#8 of 9 in Travel
Buyers1 company
HeadquartersAntwerp, Belgium

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Founders & story · from Points or Cash’s own dossier

Points or Cash is a small Belgian operation running an AI-powered points-vs-cash travel advisor. The product is a pre-revenue beta with a planned Pro ($9/mo) and Concierge ($79/trip) tier. Cash bookings are handled via Duffel; it does not operate its own banking, card, or payment infrastructure.

Recent developments
  • 2026-11Published a banks and card issuers offer: the points-or-cash award calendar embedded in a bank's app, showing two months of award seats the cardholder's points can reach, priced against the cash fare, with a hand-off to the bank's points transfer. No bank customer named yet. source ↗
Full dossier: Points or Cash’s own stack, layer by layer →
Who uses Points or Cash
1 company disclose Points or Cash in their stack
Apideck
What the disclosures say
Apideck
“Apideck is a Points or Cash customer: publisher-reported, not public (Apideck publishes the Embedded Finance Index).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Points or Cash? Claim this profile above to unlock your own full list.
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Alternatives to Points or Cash

Other Travel providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Duffel7 buyers →Expedia5 buyers →Hopper5 buyers →Spotnana3 buyers →Navan2 buyers →Agoda1 buyer →Nuitée1 buyer →Priceline1 buyer →
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An embeddable badge for Points or Cash’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #8 of 9 in Travel — Embedded Finance Index 2026
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       alt="Ranked #8 of 9 in Travel — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/points-or-cash/install" width="1" height="1" alt="" style="display:none">

Points or Cash — frequently asked

Which companies use Points or Cash?

1 company is linked to Points or Cash in the Embedded Finance Index 2026, through their own public disclosures or Points or Cash's published customer list, including Apideck.

What does Points or Cash do?

Points or Cash is an embedded-finance provider in Travel. It ranks #8 of 9 Travel providers by linked companies.

What are the alternatives to Points or Cash?

The most-named Travel alternatives to Points or Cash are Duffel (7 buyers), Expedia (5 buyers), Hopper (5 buyers), Spotnana (3 buyers), Navan (2 buyers) and Agoda (1 buyer).

Where is Points or Cash headquartered?

Points or Cash is headquartered in Antwerp, Belgium.

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