PAYBACK is proving a real success in Germany, Italy, Poland, India and Mexico – as a loyalty programme and as a multichannel marketing platform with very efficient and, above all, effective communication channels. PAYBACK enables consumers to collect points with hundreds of relevant companies offline, online and on the move – with just a single card. In Germany alone, 26 million active customers are using the programme and taking advantage of its benefits. 8 out of 10 Germans know the brand.