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Carlo is a payment app that rewards users for every purchase made at a local business and for their contribution to the local economy. The user receives 5% cashback in a virtual wallet. They can accumulate cashback and spend it at any participating store in their city. Carlo increases the user's purchasing power when they shop locally.

Carlo is available on iOS and Android. To download Carlo, click on this link.

Carlo can be used in shops in Monaco and Aix. Look for the Carlo sticker stuck on the window of our partner merchants, or the QR code displayed at the checkouts. You can also access the list of partner businesses by clicking on this link.

Paying with Carlo is very easy. 

Step 1 – Scan your merchant's QR code,

Step 2 – Enter the amount of your purchase,

Step 3 – If you have a cashback balance, enter the amount of cashback you wish to use,

Step 4 – Validate your payment using your PIN code, your fingerprint or your facial recognition. Your bank card will be debited with the amount of your purchase deducted from the amount of cashback used,

Step 5 – You receive 5% of cashback as a reward for your contribution to the Monegasque economy.

All our transactions are processed and secured by our partner Lemonway, a payment institution approved by the ACPR-Banque de France.

Before each payment, we also ask our users to carry out an additional authentication by entering their PIN code, using their fingerprint or facial recognition.

When you make a payment with Carlo, you can choose to use all or part of your cashback. The amount of cashback used to make your purchase is deducted from or replaces the amount charged to your card. If you prefer to keep and accumulate your cashback, you will be charged to your registered credit card.