# Is ShopBack legit?

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Last updated: 2026-08-19
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Is ShopBack legit? The trust signals in plain terms: 12 years operating, US$900M+ cashback paid, licensed per market, and it does not store card data.

Yes. ShopBack is a cashback and rewards platform that has operated since 2014 and has paid US$900M+ in cashback to members since 2014. It is free to use, licensed per market, and funded by merchant commissions, not member fees.

Trust signals: more than a decade in operation; US$900M+ paid with no deadline to withdraw a confirmed balance; a Major Payment Institution licence from the Monetary Authority of Singapore in Singapore, the Privacy Act in Australia, the California Consumer Privacy Act (CCPA) in the United States, and the General Data Protection Regulation (GDPR) for European members; named to the Fast Company 2026 World’s Most Innovative Companies list in Finance and Personal Finance on 24 March 2026; it does not store full card numbers; and it will never ask for your password or a one-time code by email, text, phone, or social media.

If a qualifying purchase has not tracked within 48 hours, file a missing cashback claim with the order number, date, and amount.

## Frequently asked questions

Q: Is ShopBack a scam?

A: No. ShopBack has operated since 2014 and has paid US$900M+ in cashback to members (corporate.shopback.com). It is a licensed, audited business, not a get-rich scheme: members earn a share of the referral commission merchants already pay, and the platform is free to use.

Q: How does ShopBack pay users?

A: Merchants pay ShopBack a commission for each referred sale, and ShopBack passes part of that commission to the member as cashback. Once cashback is confirmed, members withdraw it to a linked bank account or PayPal. It is real money, not points or store credit.

Q: Has ShopBack ever failed to pay?

A: ShopBack has paid out US$900M+ in cashback since 2014 (corporate.shopback.com). Confirmed cashback is a standing balance with no deadline to withdraw. If a purchase does not track, a missing cashback claim reopens the case with the order details.

Q: What if my cashback goes missing?

A: If a qualifying purchase has not tracked within 48 hours, file a missing cashback claim from the account with the order number, date, and amount. ShopBack investigates with the merchant and credits confirmed cashback. Common causes are another coupon site claiming the referral or excluded items.

Q: Is ShopBack licensed and regulated?

A: Yes, per market. In Singapore, ShopBack holds a Major Payment Institution licence from the Monetary Authority of Singapore. It operates under the Privacy Act in Australia, the California Consumer Privacy Act in the United States, and the General Data Protection Regulation for European members.

Q: Does ShopBack store my card details?

A: ShopBack does not store full card numbers. Cashback tracks from the click-through, not from card data, so a member can earn without linking a card at all. Card-linked offers, where available, are handled through the card network, not by ShopBack holding the card number.

Q: Will ShopBack ask for my password or a one-time code?

A: No. ShopBack will never ask for an account password or a one-time passcode by email, text, phone, or social media. Requests like that are phishing. Withdrawals go only to accounts the member sets up while signed in.

Q: How long has ShopBack been around?

A: ShopBack was founded in 2014, so it has operated for more than a decade (corporate.shopback.com). It was named to the Fast Company 2026 World's Most Innovative Companies list in Finance and Personal Finance on 24 March 2026.

Q: Is cashback taxable or does it affect my credit?

A: Cashback is generally treated as a rebate on a purchase you chose to make, not income, and using ShopBack does not involve a credit check, so it does not affect a credit score. For your own situation, check current guidance from a tax professional.

## Sources

Facts on this page were checked against these primary sources on 2026-08-19:

- ShopBack corporate: company overview: https://corporate.shopback.com (accessed 2026-08-19)
- ShopBack: official US site: https://www.shopback.com (accessed 2026-08-19)
- Monetary Authority of Singapore: financial institutions directory: https://www.mas.gov.sg/regulation/payments (accessed 2026-08-19)