What is cash-back, which allows you to earn euros thanks to your purchases?



“When I do my shopping, I save a few euros, it’s not nothing at the moment”. Like Aurélie Pignon, some consumers, distraught by the rise in prices, have started cash-back, a little-known fundraising system in France, which still arouses mistrust.

Purchases on partner sites

Behind her screen, the forty-year-old checks, as soon as she buys online, that her iGraal extension is activated, whether on the websites of Fnac, Carrefour or Booking. Because this cash-back company (“return of money”), champion of the French market, promises him to be recredited with a certain percentage of his expenses during purchases on partner sites.

A way to “cancel or reduce” inflation

A scam ? No way. From €20 in her online kitty, Aurélie Pignon will be able to convert them into real money in her bank account, which she has already done on several occasions. “Honestly, when my brother told me about it, I couldn’t believe it. It was too good to be true ! “says this mother.

Except for an exceptional purchase, such as large household appliances, we are talking about fairly modest sums

Cash-back companies like iGraal, Poulpeo Where eBuyClub work for merchant sites as business introducers. Thanks to the enticing return on investment promised, “we will contribute to increasing their clientele and their sales”, explains François Despruniée, marketing director of iGraal. “In return, the stores pay us a commission, which we share with our users”.

The system is far from new – iGraal was launched in 2006, eBuyClub in 1999 – but, with the drastic rise in food or energy prices since the start of the war in Ukraine, it is experiencing a revival of interest. “In recent months, we have experienced dazzling growth,” confirms Jean-Paul Yildiz of eBuyClub, which has doubled its number of registered users (4.4 million) and its traffic flows since the start of the year. purchases. The cash-back, which gives back on average 5 to 7% of its expenses to the user, allows, according to him, to “cancel or reduce” inflation by around 5%.

Significant potential in France

“It’s one way among others to limit the erosion of purchasing power,” confirms Olivier Gayraud, of the consumer association CLCV. But “unless there is an exceptional purchase, such as large household appliances, we are talking about fairly small sums”, he nuances. Indeed, a user will save an average of €120 each year, says iGraal, around €200, boasts eBuyClub.

For travel, electronic equipment or ready-to-wear

These “smart shoppers” (“smart buyers”), eBuyClub knows them well: a population of “young connected urbanites”, not interested in mass retail offers, but who activate their cash-back for travel, electronic equipment or ready-to-wear. Even if “moms” in trouble like Aurélie Pignon still constitute the bulk of the clientele. But there is still “a fairly enormous potential” for recruitment, cash-back only intervening, according to Jean-Paul Yildiz, in 1 to 1.5% of total purchases – physical and online – in France, compared to 3 % in the USA.

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What is cash-back, which allows you to earn euros thanks to your purchases?