Tillo

Tillo operates a B2B infrastructure and software model built around a two-sided rewards ecosystem. On one side, it connects brands and retailers that supply gift cards and related products; on the other, it serves enterprise buyers, fintechs, loyalty platforms and programme operators that need to issue, distribute and manage those products. The platform creates value by reducing integration complexity, aggregating supply, enabling programme management, and embedding reward fulfilment into customers' own products and workflows.

Tillo is the trading brand of Reward Cloud Limited, a UK-based private software and payments infrastructure company focused on digital gift cards, rewards, incentives and payout products. Its core offering is an API and platform layer that lets enterprises, fintechs, loyalty providers, employers, agencies, brands and retailers access and distribute digital gift cards and related prepaid products through a single integration, supported by buyer and brand dashboards and low-code commerce tooling.

The company generates revenue through a mix of software access and transaction-linked economics, including platform fees, API usage and margins or take-rates on gift card distribution and prepaid issuance. Its customers are businesses rather than consumers directly: enterprise reward buyers, fintech and banking platforms, retailers running gift card programmes, and organisations managing incentives, loyalty, compensation or payout workflows.