# CRM.COM > CRM.COM is a repeat revenue platform that combines subscription billing, usage-based billing, branded eWallets, cashback rewards and B2B partner commerce in one API-first SaaS product. It serves video and media, telecom and IoT, finance and fintech, energy, and retail and hospitality businesses, and connects to their existing POS, charging, conditional access (CAS) and ERP systems instead of replacing them. Founded in London in 2005, CRM.COM is live in 30+ countries and processes $1.2B+ in subscription and transaction volume a year. Last updated: 2026-10-16 Key facts: - Company: CRM.COM, founded 2005 in London, United Kingdom (headquarters). Offices in London, Nicosia (Cyprus), Hanoi (Vietnam) and Athens (Greece). - Leadership: Andros Papageorgiou (CEO), Photos Panayi (Customer Success Director), Marios Ioannou (Product R&D Manager), Trevor Graham (Advisory Board Member). - Scale: 30M+ subscriber and loyalty wallet journeys managed, $1.2B+ annual subscription and transaction volume, live in 30+ countries, partners in 40+ countries, 50+ technology integrations. Longest-running deployment: VTVcab, since 2013. - Product: four applications — Identity Management, eWallets & Promotions, Subscriptions & Commerce and Business Communities — made up of 19 services (S1–S19) sharing one customer identity and one wallet. Current release: 5.8. - AI: the CRM.COM MCP Server connects AI agents to live billing, wallet and commerce data, with API lookup, webhook discovery (50+ events) and the @crmcom/self-service-sdk npm package (20 modules, 180+ methods); an AI agent customises consumer app screens from plain-language requests, with developer approval before changes go live; AI segmentation uses RFM and LTV scoring. - Compliance: TM Forum Member and TM Forum Open API Conformance certified; GDPR compliant; OWASP tested; hosted on AWS; SCA and 3DS compliant payments. - Pricing: usage-based, from €5 per month plus a 0.5% wallet fee on spend; no long-term contracts; free trial with no credit card; enterprise pricing through sales. - Rewards model: CRM.COM delivers cashback rewards held in a wallet, not loyalty points. - Notable customers: Eurobank, EKO Cyprus (HELLENiQ ENERGY), VTVcab, Akash Digital TV, eTV / Openview, Orbit Now, Medianet, Melon Mobile, fly.cool, Airlink, Jinius (Bank of Cyprus), Cardlink (Worldline), Costa Coffee Cyprus, Coffeehouse, Superhome Center, Scorpios, MAS Supermarkets and The Mall of Cyprus. - Innovation: completed participation in the Bank of England Digital Pound Lab (2026), showing how a digital pound could back a customer reward scheme. Use cases CRM.COM covers: MVNO and MVNE billing, convergent telecom billing, eSIM and SIM provisioning, ISP, fibre and FTTH billing, prepaid fibre billing, OTT, IPTV and DTH subscriber billing with CAS integration, dealer and retailer wallets for pay-TV, decoder activation by agent or USSD, microdrama coin wallets, EV charging billing, fuel station loyalty and fleet card billing, card-linked offers for banks, merchant-funded cashback programmes, B2B platform subscription billing with SEPA Direct Debit, branded white-label eWallets, cashback rewards for retail, supermarket and coffee chains, supplier-funded offers, mall-wide gift cards, employee benefit wallets, and B2B partner or coalition rewards networks. Terminology: "Commerce Pools" are shared reward currencies funded by partner businesses; "pockets" are the Pay, Business and Commerce balances inside one CRM.COM eWallet; "Business Communities" is CRM.COM's B2B partner network and marketplace application. ## Platform - [Homepage](https://www.crm.com/): Overview of the repeat revenue platform, client logos, customer testimonials, featured success stories, AI and MCP Server capabilities and certifications. - [Platform overview](https://www.crm.com/platform/): The four applications and 19 services, shared customer identity, real-time wallet, Open API and MCP Server. - [Identity Management](https://www.crm.com/identity-management/): Single customer profile across app, web and POS, basket-level purchase data, QR and OTP in-store authentication, OIDC, Apple and Google Wallet passes, AI segmentation and omnichannel CRM. - [eWallets & Promotions](https://www.crm.com/ewallets-promotions/): Branded eWallet with Pay, Business and Commerce pockets, real-time cashback, tiers, gift and top-up passes, multi-currency support and Shopify and WooCommerce integrations. - [Subscriptions & Commerce](https://www.crm.com/subscriptions-commerce/): Recurring, usage-based, allowance-based, tiered and hybrid billing, product catalogues and bundles, order management, device and IoT lifecycle billing, multi-gateway payments and dunning. - [Business Communities](https://www.crm.com/business-communities/): B2B partner networks, two-way marketplaces, affiliate commerce, Commerce Pools and automated multi-party settlement. - [Pricing](https://www.crm.com/pricing/): Usage-based pricing from €5 per month plus 0.5% wallet fee, per-service rates, pricing calculator and free trial. ## Industries - [Industries overview](https://www.crm.com/industries/): The five industries CRM.COM is built for. - [Video & Media](https://www.crm.com/video-and-media/): OTT billing and subscriber management with built-in CAS integration for OTT, IPTV, DTH and broadcast operators — SVOD, TVOD, AVOD and PPV, entitlements, device management, app-store subscriptions and microdrama coin wallets. Customers: VTVcab and InTheBox TV (Vietnam), Akash Digital TV (Bangladesh), eTV / Openview (South Africa), Orbit Now / OCC (Saudi Arabia), Medianet (Maldives), SKYNET (Myanmar), TV3 Group / All Media Baltics (Estonia, Latvia, Lithuania), Vision TV (Ukraine), Global Broadcast (Togo), Prestabist Telecoms (Chad), Sports Information Services and WildEarth (UK), Airlink, Green Dot and RVR Networks (Trinidad & Tobago). - [Telecom & IoT](https://www.crm.com/telecom-iot/): MVNO, MVNE and convergent telecom billing that runs alongside an existing online charging system (OCS) — prepaid and postpaid, usage-based charging, SIM and eSIM provisioning (including Amdocs ConnectX), bundles, dunning and cashback wallet rewards. Customers: Melon Mobile and fly.cool (South Africa), Airlink, Green Dot and RVR Networks (Trinidad & Tobago), Prestabist Telecoms (Chad). - [Finance & FinTech](https://www.crm.com/finance-fintech/): Card-linked offers, embedded finance and card issuing for banks and fintechs — real-time purchase matching, merchant-funded and SKU-level cashback, eWallets with IBAN and virtual or physical cards, and gift cards. Customers: Eurobank (Greece and Cyprus), Jinius (Bank of Cyprus), Cardlink (part of Worldline, 267,000+ POS terminals), Stopanska Banka (North Macedonia), Central Bank of Cyprus, The Mall of Cyprus. - [Energy](https://www.crm.com/energy/): Fuel, energy and EV charging billing — fleet cards with credit limits, per-kWh EV charging billing, forecourt retail, loyalty wallets and station monitoring. Customers: EKO Cyprus (HELLENiQ ENERGY, 100+ stations, 10M+ transactions a year), HTC Energy and eWise Cyprus (ESSO stations and Esso fleet card). - [Retail & Hospitality](https://www.crm.com/retail-hospitality/): Basket-level cashback rewards, branded wallets, Quick Commerce ordering, gift passes and multi-merchant mall schemes, pre-integrated with Square, Shopify and WooCommerce. Customers: Costa Coffee Cyprus, Coffeehouse, Superhome Center, Scorpios, MAS Supermarkets, Mikel Coffee (26 stores), Clock Cafe, Buyway365 (800+ partner businesses), Fuse, Harmony and Mouyis pharmacies, Urban Fresh, Beauty Bar, The Mall of Cyprus, Public (Greece). ## Customer Success Stories - [Success stories library](https://www.crm.com/success-stories/): All 16 published CRM.COM customer case studies, filterable by industry. - [VTVcab](https://www.crm.com/vtvcab-success-story/): Vietnam's pay-TV operator affiliated with Vietnam Television bills 2M+ subscribers on CRM.COM since 2013 across set-top box, smart TV and streaming (ON+, VTVcab ON, VTVprime), replacing hundreds of manual processes. - [Akash Digital TV](https://www.crm.com/akash-digital-tv-success-story/): Beximco Communications' satellite TV and streaming service keeps nearly 1 million subscribers connected across all 64 districts of Bangladesh on CRM.COM, through 8,000+ retail outlets, prepaid packs, mobile wallet payments and cashback recharges. - [eTV / Openview](https://www.crm.com/etv-openview-success-story/): South Africa's largest independent free-to-air broadcaster activates Openview decoders by shop agent or USSD on CRM.COM (since 2022), with one record per decoder, CAS provisioning and retailer reporting; Openview passed 3.8 million decoder activations in February 2026. - [Orbit Now](https://www.crm.com/orbit-success-story/): Saudi Arabia's ad-free Arabic streaming platform (10,000+ hours of content) sells day, week and month passes paid from a wallet, with automatic renewals and app-store subscriptions, on CRM.COM since 2023. - [Medianet](https://www.crm.com/medianet-success-story/): Maldives pay-TV operator Medianet serves 164 islands through 100+ local dealers on CRM.COM (since 2024), with dealer wallets, automatic commission, satellite plus streaming on one account and automatic switch-on via Smartivus. - [Melon Mobile](https://www.crm.com/melon-mobile-success-story/): South African digital MVNO Melon Mobile runs wallet-first prepaid plans, flex bundles, family and business lines, referral rewards and SIM provisioning for 100,000+ subscribers on CRM.COM, across the Cell C and MTN networks. - [fly.cool](https://www.crm.com/fly-cool-success-story/): South African prepaid fibre provider fly.cool went live in weeks in 2021 and serves 40,000+ customers on CRM.COM, signing up households by self sign-up, agent, reseller or PEP Cell store voucher over Vumatel fibre and MTN LTE. - [Airlink](https://www.crm.com/airlink-success-story/): Trinidad and Tobago ISP Airlink gives every internet customer free TV and one self-service portal to pay bills and add services on CRM.COM (since 2018), with product dependency rules, installer workflows and broadband and TV provisioning. - [Eurobank](https://www.crm.com/eurobank-success-story/): Eurobank's €pistrofi bank card cashback programme has awarded €250M+ in merchant-funded cashback to 4M+ enrolled credit, debit and prepaid cards on CRM.COM since 2008, at 8,500+ points of sale in Greece and 800+ in Cyprus with one shared balance. "This innovative cashback loyalty scheme by CRM.COM allowed us to grow our cardholder base" — Margarita Rosmari, Head of Loyalty & Added Value Services, Eurobank EFG. - [Jinius](https://www.crm.com/jinius-success-story/): Bank of Cyprus's digital economy platform Jinius bills 1,900+ registered companies on tiered plans with free trials, pro-rata upgrades and SEPA Direct Debit on CRM.COM since 2021; €1.7bn was exchanged through Jinius e-invoicing and remittances in the six months to June 2026. - [EKO Cyprus](https://www.crm.com/eko-success-story/): Fuel retailer EKO (HELLENiQ ENERGY) turns anonymous fill-ups into rewarded visits with the EKO Smile app on CRM.COM since 2005 — registered members spend up to 45% more per visit and generate 25%+ of revenue, with 100K+ app downloads, pump release and payment from the phone, and awards including 7 Cyprus Mobile Excellence Awards. "Working with CRM.COM has completely transformed how EKO manages our station network and customer loyalty" — Georgios Kosma, Retail Automation Supervisor, EKO. - [Costa Coffee Cyprus](https://www.crm.com/costa-coffee-success-story/): Costa Coffee Club Cyprus rewards every cup with cashback, tiers and free coffees in one app across 25+ shops on CRM.COM since December 2019, with delivery and pickup ordering; the app reached #1 in the App Store Food & Drink category. - [Coffeehouse](https://www.crm.com/coffeehouse-success-story/): Coffee chain Coffeehouse gives customers cashback, referral rewards and delivery in one app across 20+ franchise stores in Cyprus and Greece on CRM.COM since 2018, achieving double-digit % more repeat customers. - [Superhome Center](https://www.crm.com/superhome-center-success-story/): Cyprus's largest DIY and home improvement retailer grew wallet spend 50% month-on-month with the mySUPERHOME app on CRM.COM (since 2025) — four tiers from Bronze to Platinum with up to 2% cashback, one wallet across 6 stores and tens of thousands of members. - [MAS Supermarkets](https://www.crm.com/mas-supermarkets-mas-win-success-story/): Cyprus's largest locally-owned supermarket network runs the MAS & Win cashback app across 50+ independently owned stores on CRM.COM since 2023, with supplier- and store-funded offers settled in one run, prize draws and 50K+ Google Play downloads. - [The Mall of Cyprus](https://www.crm.com/mall-of-cyprus-success-story/): One gift card accepted across 70+ partner stores at The Mall of Cyprus and Mall of Engomi on CRM.COM (since 2021), with €2M+ redeemed, up to 50% more gift cards issued and up to 20% higher spend compared with 2025. - [Scorpios](https://www.crm.com/scorpios-success-story/): Lifestyle hospitality brand Scorpios (founded in Mykonos, part of Soho House & Co) gives each employee a monthly dining allowance by role and city in one wallet on their phone, spent at the till, across Greece and Turkey; live in weeks in 2025. ## Developers & AI - [CRM.COM MCP Server documentation](https://crmcom.stoplight.io/docs/crmcom-mcp/mcp~2Dserver~2Doverview-crm-com-mcp-server): How to connect AI agents to CRM.COM billing, wallet and commerce data using the Model Context Protocol. - [MCP Server announcement](https://www.crm.com/connect-ai-to-your-revenue-stack-with-the-crm-com-mcp-server/): What the CRM.COM MCP Server does and example use cases. - [AI in CRM.COM: Customise Your App](https://www.crm.com/ai-app-customisation/): The AI agent that writes custom code for consumer app screens such as Home, Wallet and Registration, saved as drafts for developer approval. - [CRM.COM Copilot](https://www.crm.com/meet-crm-com-copilot-your-ai-powered-personal-assistant/): The AI assistant built into the CRM.COM back office. - [Developer documentation](https://crmdevelopment.atlassian.net/wiki/spaces/CRM/overview): Product manuals, API references and release notes. ## Company - [About CRM.COM](https://www.crm.com/about/): Company history since 2005, offices, leadership team and scale. - [Partners](https://www.crm.com/our-partners/): Implementation partners (FintechIQ, UTO, IMR, Indra, Yellow Applications, Sage Sable, Paymts, Nextech) and 50+ technology integrations including Stripe, PayPal, Revolut, JCC, LS Retail, Oracle Simphony, NCR Aloha, Square, NAGRA, Irdeto, Verimatrix, UniqCast, Amdocs ConnectX, SMS.TO, WhatsApp, Shopify, OpenAI and AWS. - [Request a demo](https://www.crm.com/request-a-demo/): Book a product demo. - [Contact sales](https://www.crm.com/contact-sales/): Talk to a sales specialist about a specific industry or use case. - [Contact us](https://www.crm.com/contact-us/): General enquiries and support. - [Careers](https://www.crm.com/careers/): Open roles at CRM.COM. ## Optional - [CRM.COM Completes Its Participation in the Bank of England's Digital Pound Lab](https://www.crm.com/crm-com-digital-pound-lab-participation/): A use case showing a digital pound backing a customer reward scheme, with digital pound settlement in and out of the platform (October 2026). - [CRM.COM Joins the Bank of England Digital Pound Lab](https://www.crm.com/crm-com-joins-the-bank-of-england-digital-pound-lab/): The start of CRM.COM's Digital Pound Lab participation, testing a multi-merchant wallet (July 2026). - [InTheBox TV Signs with CRM.COM](https://www.crm.com/inthebox-tv-signs-crm-com/): Ho Chi Minh City-based InTheBox TV chooses CRM.COM for subscriptions and billing for its family TV channels (October 2026). - [CRM.COM Integrates with Amdocs ConnectX](https://www.crm.com/amdocs-connectx-integration/): Provisioning connector linking CRM.COM subscriptions to SIM and eSIM inventory and online charging for MVNOs (October 2026). - [CRM.COM Adds SMS.TO for SMS, Viber and OTP Messaging](https://www.crm.com/sms-to-integration/): SMS, Viber and one-time passcode messaging with channel fallback (October 2026). - [CRM.COM 5.8 Release](https://www.crm.com/crm-com-5-8-release/): WhatsApp messaging, configurable app registration, multi-barcode SKUs, bill previews and team controls (October 2026). - [CRM.COM at IBC 2026](https://www.crm.com/crm-com-is-attending-ibc-2026-in-amsterdam/): CRM.COM at IBC 2026 in Amsterdam, 11–14 September 2026. - [TM Forum Open API certification](https://www.crm.com/crm-com-achieves-open-api-conformance-certification-by-tmforum/): CRM.COM achieves TM Forum Open API conformance certification. - [EKO Smile app awards](https://www.crm.com/7-awards-for-the-eko-smile-app/): Seven awards for the CRM.COM-powered EKO Smile app. - [Superhome Center app launch](https://www.crm.com/superhome-center-launches-wallet-powered-app-with-crm-com/): Launch of the mySUPERHOME wallet app (June 2026). - [Mple Rewards by Hellenic Bank](https://www.crm.com/mple-rewards-by-hellenic-bank-runs-on-crm-com/): Hellenic Bank's Mple cashback programme, now part of Eurobank's €pistrofi in Cyprus. - [Celebrating 20 years of CRM.COM](https://www.crm.com/celebrating-20-years-of-crm-com/): Company history and milestones since 2005. - [Unlock Retail Growth with Cashback Rewards](https://www.crm.com/retail-cashback-rewards-growth/): Why cashback gives retailers an edge in loyalty and repeat purchases. - [Boost Loyalty in Retail & Hospitality with Cashback Rewards](https://www.crm.com/boost-loyalty-retail-hospitality-cashback-rewards/): Why cashback outperforms points in retail and hospitality. - [Unified Commerce Platform: The Complete Guide](https://www.crm.com/unified-commerce-platform-the-complete-guide/): What unified commerce is and how to evaluate platforms. - [Unified Commerce vs Omnichannel](https://www.crm.com/unified-commerce-vs-omnichannel/): The difference between unified commerce and omnichannel retail. - [The Wallet of Commerce](https://www.crm.com/the-wallet-of-commerce-redefining-customer-loyalty/): Why branded wallets are replacing points cards. - [Digital Passes in Apple & Google Wallet](https://www.crm.com/digital-passes-how-apple-google-wallets-are-becoming-the-new-loyalty-cards/): How wallet passes are replacing physical loyalty cards. - [Real-Time Rewards](https://www.crm.com/real-time-rewards-loyalty-that-responds-the-moment-customers-take-action/): Why instant cashback outperforms delayed points programmes. - [Microdrama & Short Drama Monetisation Explained](https://www.crm.com/microdrama-short-drama-monetisation/): How short-drama platforms monetise with coin-based wallets. - [Preventing Churn in Media Subscriptions](https://www.crm.com/preventing-churn-the-key-to-growing-media-subscriptions/): Churn reduction for OTT and media operators. - [Prepaid vs Postpaid MVNO Billing](https://www.crm.com/prepaid-vs-postpaid-mvno-billing-which-model-is-right-for-you/): Trade-offs between prepaid, postpaid and hybrid MVNO billing. - [Why MVNOs Are Turning to Unified Commerce, Wallets & Real-Time Rewards](https://www.crm.com/why-mvnos-are-turning-to-unified-commerce-wallets-real-time-rewards/): Using wallets and rewards to reduce MVNO churn. - [Why Most MVNOs Are Losing Revenue](https://www.crm.com/why-most-mvnos-are-losing-revenue-without-even-knowing-it/): Common revenue leakage points in MVNO billing. - [Mastering FTTH Billing](https://www.crm.com/mastering-ftth-billing/): Billing practices for fibre-to-the-home operators. - [Billing Reinvented](https://www.crm.com/billing-reinvented-why-modern-brands-are-moving-beyond-legacy-systems/): Why businesses are replacing legacy billing systems. - [How Subscription Businesses Are Losing LTV](https://www.crm.com/how-subscription-businesses-are-losing-ltv/): Common lifetime-value leakage in subscription models. - [Why Agentic AI Is the Next Big Thing in Customer Engagement](https://www.crm.com/why-agentic-ai-is-the-next-big-thing-in-customer-engagement/): AI agents in rewards, billing and commerce. - [News & Blog](https://www.crm.com/blog/): All CRM.COM articles and announcements. - [Privacy Policy](https://www.crm.com/privacy-policy/) - [Terms and Conditions](https://www.crm.com/terms-and-conditions/) - [Terms of Service](https://www.crm.com/crm-com-terms-of-service/): Platform terms, SLA (99.96% uptime target) and support response times.