"Some customers have told us they haven’t received cashback recently.
We’re looking into the issue with our partners and will let you know when it’s fixed.
You’ll still earn cashback on all your spending. We’ll deposit it into your account soon, all in one go.
Thanks so much for being part of the movement.
The Algbra Team"
Nothing this month at all, but Google Pay purchasing not commenced until 6 May.
Anyone got their £5 Apple Pay incentive? I’ve heard nothing for a few days now
Had a few from referrals
I thought that’s a different, no? I got a email saying use Apple Pay to get £5 on your first purchase
I thought it was a referral offer personally, but maybe I’m wrong. The person referred does get this too
I had to first reach out to customer support team to get mine paid.
I’ve been reading through this thread but still can’t seem to satisfy my question… What’s the difference between this and any other e-money account, such as my current one Frost?
1.5% cashback on Apple Pay is pretty much the only reason I’m using them specifically
The cashback is probably the most compelling for most. I’m not sure the extra 0.5% over chase is worth their rather frustrating implementation which barely seems to work half the time, and when it does work as intended, feels like its being held together with sticky tape. It’s not a polished or smooth experience, at least compared to how slick chase is.
The other thing, which is what put them on my radar after first hearing about them are their ethical credentials. They’re the most Triodos-like fintech we have in terms of ethics.
I suspect they may not have the cash to payout the cashback
I belive it was due to an issue with how they get the cash back from Mastercard and pass it onwards to the consumer?
They don’t get cashback from Mastercard. Certainly not 1%.
Mastercard’s interchange fee on the transaction is capped at 0.2% for debit card transactions in the UK. They might get half that as a commission. Perhaps all of it if Mastercard are aggressively buying market share, but certainly not 5x more than what Mastercard make on every transaction.
Lots of cashback appeared yesterday, though not in the form the email suggested it would.
Multiple individual entries, not one aggregate credit
Fine by me either way 
Sorry, I wasn’t really clear with what I meant. I meant that I think they had an issue with getting data from Mastercard which caused delays in identifying and paying out cashback. At least that’s how they’re playing it.
I see. Yes there is suggestion upthread that it’s do with not receiving MCC data from Mastercard.
I don’t believe that to be true for a moment however.
Genuinely curious what makes you think that? I can only go off what the official line is, and other details. Do you have other info that makes you think this?
Because the transactions themselves are coming through. The MCC is not some obscure bit of data Algbra are getting off Mastercard; it’s a core part of the transaction information - without it credit cards would have no idea if transactions were purchases or cash advances; gambling blocks wouldn’t work etc etc.
Mastercard won’t be creating a new response structures for individual clients, leave alone a minnow like Algbra, so if they’re not receiving MCC it’ll be because Algbra are not requesting it correctly.
Far more likely that there’s just a bug in their own system in my opinion.
We’ve had this discussion before so why are we repeating it?
Here’s your previous speculation as to the underlying cause:
Your speculation at the time (which i corroborated as being probable) was identical to the explanation later offered by Algbra and explained to you by @JIMMWX. But now you don’t believe that to be true? 
From what I’ve personally been told by Algbra since it was last discussed, it’s this:
Which is also the equivalent of this:
And is also the same as saying this:
All statements and assumptions here are true with respect to what Algbra says is going on behind the scenes. It’s their issue and they’re working on it, with assistance from MasterCard (Who are not somehow immune to software bugs, glitches, and outages, by the way).
Your own guess is quite literally still synonymous with the explanation offered by @JIMMWX (which paraphrases that offered by Algbra themselves), which you don’t believe to be true, so I’m a wee bit confused. Your flow of thought isn’t processing logically for me.
