Do I earn rewards when paying with a card?

Yes. Rewards from referrals accumulate regardless of how you or your referrals pay — including card payments at physical stores. The only difference is timing: card payments don't open the app, so the claim prompt appears later instead of immediately.

How Rewards Work with Card Payments

Peanut rewards are tied to referral activity, not to a specific payment method. When your referrals make transactions — whether by QR code, card, or any other method — you earn your share of revenue from those transactions. The earnings accumulate in your pending balance the same way regardless of payment type.

The difference is in when and how you see the claim prompt.

QR Payments: Immediate Claim Prompt

When you make a QR payment, the app is already open. After the transaction completes, the claim prompt can appear right away if you have pending rewards. You see the amount, tap to claim, and it moves to your spendable balance. The experience feels instant.

Card Payments at Stores: Claim on Next App Open

When you pay with a card at a physical store, the app doesn't open during the transaction. This means:

• Your rewards still accumulate normally in your pending balance.
• There's no real-time popup because the app isn't active.
• The claim prompt appears in your home carousel the next time you open the Peanut app.
• Push notifications let you know when rewards are available to claim.

The rewards themselves are identical — the same dollar amount, the same revenue share. Only the claim timing differs.

The Claim Flow for Card Payment Rewards

After a card payment generates rewards (either from your own activity triggering a referral earn, or from your referrals paying by card), here's what happens:

1. The reward is calculated and added to your pending balance.
2. The next time you open the Peanut app, a claim card appears in your home carousel.
3. If you have push notifications enabled, you'll receive a notification like "You have rewards to claim."
4. Tap the claim prompt to move the pending amount to your spendable balance.

There's no need to take any special action. The rewards flow is automatic — you just need to open the app to see and claim them.

Why No Real-Time Popup for Card Payments?

When you tap a QR code to pay, the Peanut app is active and can show you information immediately. Card payments at physical stores go through the card network without involving the app — the transaction happens between your card and the store's terminal. Since the app isn't open, it can't display a popup in that moment.

This is a technical limitation of how card payments work at physical terminals, not a limitation of the rewards system. Your earnings are tracked and accumulated exactly the same way.

Your Referrals' Card Payments Count Too

When your referrals pay with a card at stores, you still earn your revenue share from those transactions. The payment method your referrals use doesn't matter — QR, card, or any other supported method. Every transaction they make generates your share, which accumulates in your pending balance.

For multi-level referrals, this applies at every level. If your referral's referral pays by card at a store, you still earn from that transaction.