Auric

Name: Auric
Brand: Auric

AI Native

Engage fans, grow loyalty, unlock revenue.

Est 2024|Valuation $21.7M|Raised $16.6M|4 Ref Customers

LinkedIn 3K|Website|FTEs 12|HQ Ghent, Flemish Region, BE

MarketsCustomer Loyalty Software

Published Jul 9, 2026

01Common complaints

Organizations should consider alternatives when any of the following apply: 1. Extensive independent security/compliance attestations (SOC 2 Type II, ISO 27001, detailed PCI documentation) are required and the vendor cannot provide them. 2. The procurement need is for fully transparent public pricing and self-serve onboarding; Auric appears to operate on a contact-led, enterprise commercial model. 3. The requirement is for a pure infrastructure layer (issuing-only APIs) and the buyer already has loyalty and partner-attribution capabilities; issuing platforms such as Stripe Issuing, Marqeta, or Adyen Issuing may be more appropriate. 4. Immediate Apple Pay / Google Pay support is mandated at launch and phased wallet availability is not acceptable. 5. The organization lacks internal capacity to manage ongoing program operations (partner reconciliation, fan support, fraud operations) and needs a partner with demonstrable operational scale and published operational metrics.

Deal disqualifiers (poor fit)

Clubs without a digital app or CRM foundation to distribute and manage card-linked rewards.
Programs requiring immediate multi-country coverage with local BIN sponsorship and compliance for each market.
Organizations requiring Apple Pay / Google Pay availability at program launch when such wallet support is not yet provided.

Publicly acknowledged limitations

Auric's public pages note that Apple Pay and Google Pay support is forthcoming. This pending status may affect consumer adoption where mobile wallet support is expected.

Roadmap items

Apple Pay / Google Pay are indicated as pipeline items; no firm public release dates were identified.

Scale limitations

No public performance or scaling benchmarks (transaction throughput, geographical program limits) were found.

Security/compliance gaps

Public documentation of SOC 2 or ISO certifications was not found.
No explicit PCI DSS statement was located on Auric's public pages in the material reviewed. Being a licensed payment institution does not by itself document the scope of PCI obligations for all program components; buyers should request detailed scope and attestations.

02Why they buy

Observed differentiators

Packaged focus on sports-club deployments combining a branded debit card with loyalty and partner attribution.
Stated regulatory status: Auric is presented as a brand of Bonsai NV, a payment institution licensed by the National Bank of Belgium.
Public reference deployment with Club Brugge provides an initial real-world example of implementation.

Areas where competitors have advantages

wCard: clearer public compliance messaging (PCI) and a public revenue estimation tool.
Large issuing platforms (Stripe/Marqeta/Adyen): broader geographic coverage, longer operational track record, and more extensive developer tooling.

03Field reports

What was found

No clear listings for Auric were found on major review platforms searched (G2, TrustRadius, Gartner Peer Insights) that definitively match the vendor described here.
Public references consist primarily of vendor-published case material, press/industry writeups, and social media/LinkedIn posts.

Representative signals (neutral phrasing)

1) Auric-hosted site materials include a Club Brugge statement indicating the club views Club Pay as a mechanism to link everyday purchases with fan engagement (attributed to Thomas Rypens, Innovation & Insights Director, Club Brugge). 2) Club Brugge reported that a modest number of fans had requested the club card in its public announcement; this is an early adoption datapoint published by the club. 3) LinkedIn posts and comments related to the Club Brugge deployment show informal positive sentiment, but these are not structured product reviews and should be interpreted cautiously.

Negative signals / concerns

Lack of public pricing and limited technical/security disclosure are potential buyer concerns for enterprise procurement.
Delayed availability of digital wallet support (Apple Pay & Google Pay stated as forthcoming) may be a gap relative to consumer expectations.

Reasoned hypotheses for selection

Based on available materials and the Club Brugge deployment, buyers may consider Auric if the club wants a relatively packaged branded-debit + loyalty program tied to a regulated payment institution in Belgium and a partner conversion story.

Reasons some buyers may not select Auric

Need for public, independently validated security attestations (SOC 2, ISO) before procurement.
Requirement for rapid multi-country rollout where local BIN sponsorship and compliance issues are complex.
Need for immediate Apple Pay / Google Pay support at launch.

Club Brugge / "Club Pay" (primary public case)

What is described: - Club members can request a personalized club-branded payment card via the club app. - Card usage at partner merchants yields automated rewards credited to a club wallet. - Rewards are redeemable for tickets, merchandise, and stadium purchases. Quantitative signal: - Club Brugge reported that a few thousand fans requested the card (club-published). Critical evaluation: - The adoption figure is an early-stage indicator; it does not provide insights into active usage, transaction volumes, retention rates, or revenue impact. - No public ROI disclosures or unit-economics details (interchange splits, partner fee schedules) are provided. - Operational metrics (support ticket volumes, fraud rates, dispute resolution times) are not available publicly.

Vendor-published pivot and funding narrative

Auric's communications describe a transition from a consumer-facing product to a B2B embedded finance provider and mention early-stage funding. These are vendor-reported items and should be corroborated in procurement diligence.

04Best fit

Company sizes

Likely best fit: mid-to-large professional clubs with a substantial membership base, and an established sponsor/partner ecosystem and app adoption.

Industries / verticals

Primary: professional sports clubs and leagues.
Adjacency: communities and merchant ecosystems interested in branded payments tied to loyalty systems.

Roles and personas

Decision makers: Chief Commercial Officer, Head of Partnerships/Sponsorship, Director of Digital/Innovation.
Influencers: legal/compliance, finance, IT/product, customer support.

Qualification criteria (good fit)

Club aims to monetize partner ecosystems and measure partner-driven conversions.
Club has an existing digital app or wallet capable of distributing and managing card-linked rewards.
Club can support the compliance and operational requirements of a card program (KYC, support flows, partner reconciliation).

05The pitch

What the product does (core value proposition)

Auric is an embedded-finance platform focused on enabling sports clubs to deploy branded debit payment cards integrated with loyalty and partner reward programs. The stated objective is to convert everyday fan spending into a measurable engagement channel that can produce: - additional revenue streams for clubs via partner/affiliate economics, - enhanced fan loyalty through automated rewards, - analytics derived from payment behavior outside match-day activity. Auric offers a "Loyalty Payment Card" with the following advertised features: - Mastercard debit, - global acceptance, - ability to link the card to existing bank accounts, - API integration options for club ecosystems.

Target market and positioning

Primary vertical: professional sports clubs (initial focus on football/soccer clubs in Europe/Belgium).
Buyers: club commercial/partnership teams, digital/innovation teams, and senior club leadership.
End users: fans and club members.
Positioning: a packaged combination of loyalty, payments, partner network, and analytics as an embedded finance offering.

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