How much cashback does an average online store leave on the table?

5 min lezen · laatst bijgewerkt 14/9/2026

In het kort

Most stores still use a traditional bank card with no cashback at all.
At 40,000 euro monthly spend, 1 percent uncapped is 4,800 euro a year.
The bookkeeping time saving often exceeds the cashback itself.

An analysis of the gap between a typical banking setup and a modern card, expressed in annual euro.

The starting point

A large share of Benelux online stores still run their spend through a traditional bank card that pays nothing back. Every euro of that spend is a missed opportunity.

What the gap looks like

At 40,000 euro of monthly card spend, a 1 percent uncapped rate is 4,800 euro a year. A capped competitor at 0.4 percent with a 15 euro monthly cap returns 180 euro.

Ad spend amplifies the gap

Stores that run their advertising through the card multiply their eligible volume, which makes caps bite much earlier.

Time is the second half

Receipt automation and ad reconciliation typically save several hours per month, worth thousands per year at realistic hourly rates.

Why the gap persists

Switching feels risky and comparisons are hard to make. Putting everything into one annual figure usually settles the question quickly.

Check your own gap

Start the scan. The full report is a one-time 29 euro payment.