Cashback Exclusions

Effective date: 8 October 2026 (replaces the version of 5 October 2026)

Cashback is there to reward real spending. To keep the program sustainable and fair, some transaction types never earn cashback, at any tier, whether regular or category cashback. The same exclusions apply to referral rewards: excluded purchases do not count toward the $150 referral target or the 3 merchants.

Cashback and referral rewards will not be issued for the following transaction types:

Cash-related transactions. ATM withdrawals, cash advances, quasi-cash reloads, money orders, traveler's cheques or other quasi-cash transactions, including through PayPal or similar services.

Money transfers, payments to people and wallet top-ups. Transfers to other people or accounts, payments to individuals including PayPal payments to individuals and personal QR-code payments (Alipay, WeChat Pay and similar), and loading or topping up e-wallets, cards, prepaid accounts and payment apps such as PayPal, Wise, Skrill, Revolut, N26, GoPay, Nequi, Tinaba, RecargaPay or similar services.

Cryptocurrency purchases. Direct purchases of crypto assets or other digital assets using the Solid card.

Investments, brokerage and insurance. Payments to securities brokers, dealers and investment platforms, and insurance premiums and other financial services.

Gambling and betting transactions. Casino payments, online gambling, lottery tickets, and other wagering-related expenses.

Government, judicial payments and donations. Taxes, fines, alimony, child support, court-related fees, and charitable donations.

Gift cards, prepaid cards, game credit and digital goods. Purchases of gift cards, prepaid cards, vouchers and stored value products, game credit, top-ups and other digital goods, for example through OffGamers, Codashop, Xsolla or Instant Gaming, identified by merchant category and merchant name.

Door-to-door and direct sales. Payments to direct-selling merchants and individuals.

Refunded or canceled transactions. Transactions that are reversed, disputed, refunded or charged back. Cashback already paid on such a transaction is removed and may be deducted from future cashback.

Professional services and timeshares. Legal consulting, business services, uncategorised services, and time-share purchases.

Manufactured spend. Purchases made primarily to earn rewards rather than for genuine use. This includes repeated identical or automated small charges (for example, more than 10 identical payments), accounts transacting exclusively in sub-dollar amounts, spending designed to be converted back to cash or reloaded, purchases of digital goods for resale, small or split purchases made to reach a referral merchant count, and unusual concentration of spend at a single merchant. Such payments may have their cashback withheld or reversed, and accounts showing these patterns may lose access to rewards permanently.

Merchants excluded by name. Transactions at the following merchants are excluded whatever merchant category they appear under: Tinaba, Nequi, RecargaPay, Woolsocks, Widilo, Beruby, OffGamers, Codashop, and payments to Alipay and WeChat QR codes. This list is not exhaustive: Solid may add merchants to it at any time, and the updated list is published here.

Excluded Merchant Category Codes (MCCs). Transactions with the following MCCs are ineligible. This includes, but is not limited to:

Category cashback merchants are never excluded. A merchant on the category cashback list (see How cashback works and how to spend it) always earns its category rate for Prime and Ultra members, even if its MCC appears above. Note that ride-hailing apps that also offer a wallet, such as Gojek, earn category cashback on rides only, not on wallet top-ups.

Pending and paid rewards. When a merchant or category is added to this list, cashback that is still pending on those transactions is cancelled and the transactions stop counting toward referral qualification. If cashback or a referral reward paid in the last 60 days is found to result from excluded or manufactured spend, Solid may take it back by deducting it from your future cashback and rewards.

Solid may update this list at any time, with notice in this article and in the Solid Rewards Terms. If you are unsure whether a transaction qualifies for cashback, contact support through the app and we will check for you.