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About CST Rewards

What is CST Rewards?

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CST Rewards is a rewards program that focuses on putting cashback in consumers pockets when they make purchases, in-store and online, with our partners.

Who can join CST Rewards?

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Anyone can join! To receive cash back, simply link your credit and debit cards through online banking so we knows when to reward you. Your cashback will be delivered to your CST Rewards wallet when you spend with your linked cards at brands offered on the platform!

Does it cost money to join?

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No! CST Rewards is free to join! Sign up here.

Can I receive money for referring someone else?

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Yes! You will receive $5 for every friend you refer to CST Rewards after they make their first rewarded purchase.

What does Paymi do with any data thats collected?

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Providing Paymi access to your debit and credit card transactions allows insight into consumer spending trends and allows brands to see performance of their promotions.

What's the benefit for brands and retailers to join a Paymi Powered Platform?

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Leading brands choose to partner with Paymi powered platforms because it offers them a unique opportunity to expand their reach and attract new customers. By joining our app, these brands gain exposure to a vast user base and the potential to boost customer spending. For instance, a $250 discount on an Apple Tablet might entice shoppers to consider adding AirPods to their purchase. Moreover, our emphasis on card linking not only streamlines the cashback process but also empowers us to gather valuable data about user preferences. This data allows us to tailor our offers to best serve our user community.

Connecting Your Credit & Debit Cards

What Banks/ Financial Institutions does the platform support?

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Today, Paymi supports 17 large banks in Canada. They include: CIBC; Bank of Montreal; American Express; RBC; Scotiabank; TD Bank; Meridian; Tangerine; Simplii Financial; HSBC Bank; Desjardins; National Bank; ATB Financial; Laurentian Bank; Canadian Tire Bank; Coast Capital Savings and Vancity. If you bank is not on this list, you may not be able to connect your credit or debit card to your CST Rewards account at this time. We are always striving to improve this list, so don't hesitate to contact our Help Desk with feedback of what banks you'd like to see supported, or send us an email at [email protected].

Why do I need to connect my credit or debit cards to to the platform?

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When you connect your bank cards, we know when to reward you! Connecting your credit and debit cards through online banking allows us to confirm when you make a purchase with a partner brand so you can receive cash back automatically! Our emphasis on card linking not only streamlines the cashback process, but also gives us information on user preferences, and helps us tailor offers for YOU.

How do I connect my debit and credit cards to the platform?

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During the registration process you will be asked to login to your online banking portal using the same card number and password you would with your bank. When you connect your bank cards through online banking, Paymi will automatically add cashback to all of the credit and debit cards attached to your account when you make a purchase with one of our merchant partners.

Why do my cards unlink?

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If you see a prompt to re-verify your banking credentials, please do so to ensure that your cards are syncing properly for Paymi to award on eligible card-linked offers.

Here are some common reasons why unlinking happens:
1. When logging into your bank, it may ask you a security question. These will typically expire after a session, often when you exit the CST Rewards website. When sessions expire, this causes unlinking and prompts to relink.

2. Flinks or Yodlee needs to update their integration to support your bank.

3. There may be a prompt on the bank's website that you have to respond to, such as promotional advertisements.

4. Your cards have been replaced and are no longer up-to-date.

My Linked Card Keeps Unlinking - Multi-Factor Authentication Issue

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If you have successfully linked your bank but it unlinks every few minutes, it's usually due to an MFA issue. Multi-Factor Authentication (MFA), also known as Two-Factor Authentication, is implemented for account security.

Since our providers may not always support new security updates, here are some troubleshooting measures:
1. Removing the MFA setting from your bank account temporarily to link the account to Paymi.
2. Relinking your credentials periodically, as MFA security questions rotate and can cause unlinking.
3. Waiting until our providers build support for MFA, allowing you to link this account in the future.

What do I do if I do not remember my online banking username and password?

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In this case please contact your financial institution, they will be happy to help you reset your account credentials.

Can I connect cards from multiple financial institutions to CST Rewards?

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Absolutely! You are able to connect as many credit and debit cards to Save.ca Cashback Rewards as you would like. Simply navigate to the Linked Accounts section in your Settings and select the "Connect A Bank" button.

Are you a CIBC Client? All of your eligible CIBC credit and debit cards will automatically be connected to your CST Rewards account.

How do I add cashback to both my credit and debit cards?

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When you connect your bank to Paymi through online banking you are connecting all of the cards associated with that account. Are you a CIBC Client? All of your eligible CIBC credit and debit cards will automatically be connected to your CST Rewards account when you register.

I have a joint bank account. Will I receive money on each of the cards attached to my account?

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Yes! When you connect your cards through online banking you are connecting all of the cards associated with that account, including any sister cards.

Why Is My Bank Experiencing Connectivity Issues?

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We understand that connectivity issues can be frustrating. Here are some common reasons why it happens:

1. Ongoing Improvements to Your Bank's Online Banking Website: This requires Flinks or Yodlee to build support for these new features. Improvements are usually resolved within a matter of days, but if the connectivity issues persist, there may be a larger issue at hand.

2. Changes to Your Bank's Internal Systems: Banks may undergo changes to their internal systems, which can temporarily block Flinks or Yodlee from syncing transactions.

3. Multi-Factor Authentication (MFA): If you're constantly being asked to relink your card, it may be that your bank utilizes security questions as a form of MFA, which expires after a session. A session typically ends after exiting the app, prompting you to repeat the linking process.

Can I connect cards from multiple financial institutions?

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Absolutely! You are able to connect as many credit and debit cards to Paymi as you would like. Simply go to the Financial Accounts section of My Account and click Link New Account to add any new card.

Are you a CIBC Client? All of your eligible CIBC credit and debit cards will automatically be connected to your Save.ca Cashback Rewards account.

Common Card Linking Error Messages

"Invalid Credentials"

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Commonly occurs when:
• A space was entered after your card number or username.
• There are current connectivity delays with your bank.
• Your card has been replaced.
• The information you're entering doesn't match your current online banking credentials.
• Recent changes were made to your online banking login that are not supported by our service provider.

To resolve, if your card was replaced:
Fully remove your credential:
1. Profile > 'Connected Accounts' > 'Dropdown Arrow > ‘Unlink Account’'.
2. Add the credential back: Profile > 'Add Cards'.

"Try Connecting a Different Account"

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Commonly occurs when our API providers are experiencing a temporary network delay with your bank. Once the issue is resolved, you'll be able to link the account with no problems. You may try again in a few hours.

"Not Authorized for Online Use"

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Commonly occurs when there is a notice waiting for your response in your online banking portal. This could be security verification questions, dismissing new service agreements, or promotions. Once you clear these out, you should be able to connect your bank to your Paymi!

"There is an issue." or Invalid"

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This is usually a result of prolonged inactivity. You will need to completely unlink and relink these credentials again.

Getting Paid

How do I deposit my cash balance from CST Rewards? Is there a fee?

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Simply go to your Wallet cashback history and click the 'Redeem Now' button next to your balance. Once you have a balance over $2 you’ll be able to send an Interac money transfer to yourself with your cash back. There is a $1.50 Interac fee if your money transfer is under $25. Paymi will cover the Interac fee for transfers over $25!

Will I still receive store loyalty points?

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Yes! You will receive your cashback from Paymi in addition to any points the merchant offers through their loyalty program.

Will I still receive cashback that my credit and debit cards provide me?

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Yes! You will receive your cashback from CST Rewards in addition to any cashback offered by your bank.

What happens if I return something that gave me cashback?

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CST Rewards will automatically remove the amount of cashback you originally received on the purchase you returned. If you only return a portion of your total purchase you will still receive cash back on the rest of the purchase you have not returned.

How long does it take to see cashback in my account?

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Cashback will appear in your account 7 to 10 days after the purchase date unless stated otherwise on the offer card. Some partners may not release cashback until the return window passes, in which case it could take up to 90 days for cash back to appear in your account. We encourage you to review the information icon on the offer card for full details before shopping.

What is the difference between Card-Linked Offers & Tap To Activate Offers?

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Card-linked offers are triggered when you shop with a connected card, when shopping in-store AND online shopping (where applicable). Cashback is then automatically generated. Click to activate offers are exclusive to online shopping and require you to shop through the "Activate Now" button on the offer details page in order to receive cash back. Shopping through the offer card creates a shopping trip that allows us to deliver your cash back after you complete your purchase. Full details can be found on offer details page of every offer when you click the "Learn More" button.

Your Account

How can I update my email?

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You can update your email address by clicking on Settings and navigating to the "Account" tab. In the Credentials section of the page you will be able to enter your new email address and current CST Rewards password to begin using your new email.

How can I update my password?

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You can update your password by clicking on Settings and navigating to the "Account" tab. In the Credentials section of the page you will be able to create your new password.

How can I unsubscribe from emails?

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Option 1: Unsubscribe button at the bottom of any emails you receive from us. You can also re-subscribe in this area if you change your mind.

Option 2:
You can unsubscribe from our emails in your Settings under Account, in the Notifications section of the page. Here you will be able to unsubscribe from receiving emails. You can always re-subscribe to our emails on this page by re-selecting the box.

Security & Privacy

What personal information does Paymi ask from my during registration?

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To personalize your experience we ask that you confirm your name, gender, date of birth, postal code, phone number, and email address.

Why does Paymi ask me to enter my online banking username and password?

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When you connect your credit and debit cards to Paymi through online banking it allows them to recognize when you have made an eligible purchase and deliver your cashback. Paymi never receives or saves your online banking login credentials and is not able to deposit or withdraw money from your bank account, this is why you receive your cashback through Interac e-Transfer®.

What information does Paymi see from my linked account?

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Paymi receives read-only transaction-level data so that their system is able to recognize when you have made an eligible purchase and deliver your cashback.

Does Paymi receive my online banking login credentials?

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No. Paymi never receives or saves your online banking login credentials and is not able to deposit or withdraw money from your bank account, this is why you receive your cashback through Interac e-Transfer®.

Can Paymi take money out of my bank account?

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No. Paymi never receives or saves your online banking login credentials and is not able to deposit or withdraw money from your bank account, this is why you receive your cashback through Interac e-Transfer®.

Still have questions?
Contact us to learn more.

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