Embargo Wallet

EmbargoCard — setup flow

Embargo × Retail Wallet — the concept, the app screens and a live demo, top to bottom as a story.

Embargo × Retail Wallet

Expanding Embargo into card-linked
discounts & cashback — all in one app.

A new way for Embargo customers to access automatic discounts and cashback when they pay — while giving merchants a simple, POS-agnostic tool to drive visits, fill quiet periods, and increase loyalty.

Save when you pay Exclusive restaurant offers No vouchers · No QR · No staff Super cashback & discounts in one app Super simple Tap & Pay

How it works

1
Merchant creates an offer
A discount (with time window) or cashback — set rate, slots, dates & windows in the Embargo portal.
2
Customer finds & activates it
Finds the offer in the Embargo app and activates it before visiting.
3
Provisions & pays with EmbargoCard
Adds EmbargoCard to Apple / Google Wallet, linked to any method — card, Apple / Google Pay or open banking.
4
Discount applied automatically
Retail Wallet recognises the customer card, merchant, offer, time window & bill, then charges the discounted amount.
5
Merchant gets paid in full
Receives the full bill amount through their normal acquiring flow.
6
Retail Wallet collects fees & rewards
Month-end: funded discount + platform fee from the merchant via Direct Debit / invoice.
7
Revenue shared with Embargo
Retail Wallet shares the agreed part of the profit / platform fee with Embargo.
Stamps & visits are recorded automatically throughout.
Home — main screen
Today's home vs. an improved home that surfaces discounts, cashback & stamps and offers up front — with EmbargoCard states (has card / no card) and a 3-step issue flow.
15 Home — now
Today's Embargo home.
16:54
Hello Ara 👋
🛵
Free Delivery
Boulangerie Jade Sheen
Order for Delivery
Promo or
Stamp Code
🏷️
Gift Card
🎁
Order Today 🚀
Delivery
Pickup
Messages
Embargo
Welcome to Embargo! Get ready to enjoy endless rewards for being a loyal customer ❤️
Home
Wallet
Stamp
Venues
Settings
17 Home — no card
First-time user — prompt to get EmbargoCard.
16:54
Hello Ara 👋
EmbargoCard
Get your EmbargoCard
Start saving with automatic cashback & exclusive discounts — apply at checkout, no vouchers.
Get EmbargoCard
What you'll unlock
🏷️
Discounts
🪙
Cashback
🎟️
Stamps
Offers near you
H
Hermanos Barnes
−50% · Dine In
BJ
Boulangerie Jade
+8% Cashback
Home
Wallet
Stamp
Venues
Settings
18 Onboarding — issue card
Full-screen, 3 steps to issue the card.
16:54
Welcome
Tap, pay —
savings applied.
No vouchers, no awkward moments.
1
Find an offer
Explore the best restaurants with offers near you.
2
Set up EmbargoCard
Add EmbargoCard to Apple / Google Wallet and link a payment method. One time, ~2 mins.
3
Tap to pay, save instantly
Tap to pay; savings apply to the whole bill automatically. Staff won't even know.
Get EmbargoCard
16 Home — with card
Surfaces savings + offers; EmbargoCard active.
16:54
Hello Ara 👋
EmbargoCard
EmbargoCard
Active · Tap to pay
+5%
Earn on every visit
🏷️
Discounts
🪙
Cashback
🎟️
Stamps
Offers near youSee all
H
Hermanos Barnes
−50% · Dine In
Redeem
BJ
Boulangerie Jade
+8% Cashback
Top-up
Sam's
Sam's Chicken
Stamps 4/8
Collect
Home
Wallet
Stamp
Venues
Settings
EmbargoCard — setup flow
The full journey, left to right: the Profile now carries a new EmbargoCard section up top; from there you Get the card (standard iOS "Add to Apple Wallet"); once issued you pay & collect a stamp in one tap; and for reference, the native iOS Apple Pay sheet. No animation, real bank-card proportions, card •••• 2666.
1 Profile
Settings with a new EmbargoCard section up top. Shows "Get Embargo Card" before setup; here it's set up — tap to open the card.
10:04
Ara
User ID: 1643928
EmbargoCard
EmbargoCard •••• 2666
Embargo Card
Card is set up
General Settings
Profile
Reset Password
Language
Activity Overview
Order History
Stamps and Rewards History
Account Setting
Logout
Delete Account
Version 10.2.36
Home
Wallet
Stamp
Venues
Settings
2 Card not issued
Before setup — the standard iOS "Add to Apple Wallet" button issues the card.
9:30
EmbargoCard
EmbargoCard
Prepaid
•••• 2666 EC
Add your EmbargoCard
Pay and collect a stamp in one tap at every Embargo venue. Keep it in Apple Wallet for one-tap access.
Add to Apple Wallet
Maybe later
Home
Wallet
Stamp
Venues
Settings
3 Card issued
Pay & collect a stamp in one tap. Static — no flashing.
9:29
EmbargoCard
EmbargoCard
120 pts
•••• 2666 Prepaid
Earn as you pay
4/8
Payment method
VISA
Visa PERSONAL DEFAULT
•• 1816 · Expires 05/2031
Top-ups & charges are taken from this card.
Home
Wallet
Stamp
Venues
Settings
4 Native iOS Apple Pay
The system Wallet sheet — EmbargoCard added, for comparison.
9:30
EmbargoCard
Prepaid
•••• 2666
Hold Near Reader
Embargo Loyalty
Linking your payment card
Tapping "Payment method" opens this flow — pick Card (type the details) or Apple Pay (a £0 authorisation that verifies the card with no charge). The card is then saved as your default.
5 Payment methods
Pick how to link the card Embargo will charge.
9:31

Payment methods

Card
Pay
Apple Pay
Choose how Embargo securely stores the card it charges for top-ups and orders.
6 Card
Enter card details manually, then Confirm.
9:31

Card

1234 1234 1234 1234
VISA
AMERICAN
EXPRESS
Name on card
Expires MM / YY
CVC / CVV
Confirm
7 Apple Pay
A £0.00 authorisation — verifies the card with no charge.

Payment methods

Card
Pay
Apple Pay
9:31
Double-Click
to Pay
Pay
VISA
Visa •••• 1816
Change Payment Method
Card verification
£0.00
i
Confirm with Side Button
8 Linked
Card saved & set as Personal default.
9:31
VISA
Visa
•••• 1816 PERSONAL DEFAULT
Linked to
Personal Profile
Expiry Date
05/31
Already set as Personal default
Remove payment method
Discounts
Merchant gives a % discount on dine-in / order. You browse venues (list or map), see the offer, and redeem it. A Discounts / Cashback filter switches modes.
9 Venues — list
Browse venues with order / loyalty actions.
9:29
My current location Now
Search
Discounts
Cashback
All Venues
Delivery
Pickup
H
Hermanos Barnes
-50% · Dine In
Arrive Before: 4:00pm
Redeem Offer
HERMANOS
0.57 km
BJ
Boulangerie Jade Sheen
-30% · Dine In
Arrive Before: 4:30pm
Redeem Offer
PATISSERIE
0.87 km
Sam's
Sam's Chicken Richmond
-25% · Dine In
Arrive Before: 5:00pm
Redeem Offer
Sam's
0.93 km
A
Alma Barnes
-35% · Dine In
Arrive Before: 4:00pm
Home
Wallet
Stamp
Venues
Settings
10 Venues — map
Same venues, plotted on the map.
9:29
My current location Now
Search
Discounts
Cashback
All Venues
Delivery
Pickup
🍜-50%
🥗-35%
🍷-25%
🍺-45%
🍗-35%
🍕-30%
🍜-50%
H
Hermanos Barnes
0.57 km away
-50% · Dine In
Arrive before 4:00pm · 5 Left
Redeem Offer
Show Legend
Live now
Maps · Legal
Home
Wallet
Stamp
Venues
Settings
11 Loyalty card
Per-venue stamp card (brand-themed).
9:29
Boulangerie
Jade
Boulangerie Jade
0/8
1
2
3
4
5
6
7
🎁
1 Stamp = Each Hot Drink Purchased
Delivery
Pickup
-45% · Dine In
Arrive before 5:00pm · 5 Left
Redeem
Cashback
When the merchant gives cashback on top-ups (a reloadable gift card) instead of a discount. Same list / map — now you see the cashback %, whether it's Permanent or a one-time offer, and any extra +% Embargo adds on top. The card action becomes Top-up.
12 Cashback — list
Cashback % per venue + Permanent / one-time + Embargo boost.
9:29
My current location Now
Search
Discounts
Cashback
All Venues
Delivery
Pickup
H
Hermanos Barnes
+5% From Embargo
Get Cashback
HERMANOS
0.57 km
BJ
Boulangerie Jade Sheen
+8% From Embargo
Get Cashback
PATISSERIE
0.87 km
Sam's
Sam's Chicken Richmond
+4% From Embargo
Get Cashback
Sam's
0.93 km
A
Alma Barnes
+10% From Embargo
Get Cashback
Home
Wallet
Stamp
Venues
Settings
13 Cashback — map
Cashback % pins; tap opens detail + Top-up.
9:29
My current location Now
Search
Discounts
Cashback
All Venues
Delivery
Pickup
🪙+5%
🪙+8%
🪙+3%
🪙+6%
🪙+4%
🪙+10%
A
Alma Barnes
0.41 km away
+10% From Embargo
Get Cashback
Show Legend
Live now
Maps · Legal
Home
Wallet
Stamp
Venues
Settings
14 Cashback — card
Reloadable gift card — Top-up earns cashback.
9:29
HERMANOS
Hermanos Barnes
0/8
1
2
3
4
5
6
7
🎁
1 Stamp = Each Coffee Purchased
Gift card balance
£12.00
🪙+5% cashback
Add money
£10
£20
£50
+5% From Embargo
Top-up £20
Summary — how the model works
A short recap to read alongside the screens above.

Key advantages

POS-agnostic
No changes to the POS, terminal, booking system or acquiring.
No staff involvement
Nothing to apply, scan, check or approve at the counter.
No vouchers
No coupon or code to show — the customer simply pays.
Merchant paid in full
The restaurant charges and receives the full bill as normal.
On Retail Wallet rails
The saving is applied automatically at the payment layer.
Automatic tracking
Redemptions, visits and stamps tracked with no extra work.

Money flow

Example: −20% off a £100 bill
STEP
WHAT HAPPENS
1
The restaurant issues a normal £100 bill.
2
The customer pays with EmbargoCard as usual, by tapping Apple / Google Pay.
3
Retail Wallet applies the 20% discount automatically.
4
The customer is charged £80 — or earns rewards instantly in the case of cashback.
5
The merchant receives the full £100 as normal.
6
At month-end, Retail Wallet collects £20 from the merchant, plus an agreed platform fee or commission.
7
Retail Wallet shares part of the profit or platform fee with Embargo.
8
Retail Wallet records the redemption, visit and stamp progress automatically.

Required Embargo app changes

To enable card-linked discounts & cashback, Embargo adds a few customer- and merchant-facing features.

AREA
REQUIRED CHANGE
Customer profile
Issue an EmbargoCard and attach a payment method.
Venue listing view
Filters for venues offering discounts / cashback.
Venue map view
A “Live Now” layer showing offers available right now.
Stamp card / merchant page
Let customers activate a discount or cashback offer.
Home screen CTA
Promo block: “Get your EmbargoCard and start saving with automatic cashback and exclusive discounts.”
Merchant portal
Dashboard to set discount %, time windows, number of offers, and upload menus.
Outcome
Embargo becomes more than a loyalty & discovery app — a payment-enabled savings platform where customers automatically receive discounts & cashback, and merchants drive traffic without POS integration.
Live demo
Screen recording of the real EmbargoCard flow on iPhone.