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Instant tax-free refunds powered by AI

Shop.Refund instantly.Spend again.

The global AI platform that makes tax-free instant - and journeys personal

Tax-Free wasn't designed for travelers

At the store
  • Eligibility is unclear; staff guess, travelers don't know
  • Extra steps at checkout slow the line → fewer tax-free attempts
  • Paper receipts + forms create immediate failure points
  • Refund value is invisible (fees/FX) until it's too late
Paper-first process
  • Manual data entry, stamps, signatures, missing fields
  • Documents get lost or incomplete → claim rejected
  • No real-time status; travelers don't know what to do next
  • Provider experience varies by store → inconsistent outcomes
FEES
Abusive + hidden costs
  • High provider commissions shrink the traveler refund
  • Hidden FX/DCC spreads and “service” charges reduce payout
  • Merchants can't clearly explain the true net refund
  • Travelers feel “scammed” → brand damage for the merchant
AIRPORT
Airport bottleneck & abandonment
  • Kiosks/queues + tight connections → “no time” to validate
  • Single point of failure at departure: missed validation = no refund
  • Confusing steps across terminals/countries/languages
  • Many refunds are abandoned even when travelers qualify
SETTLEMENT
Weeks to get paid
  • Slow settlement (often weeks) kills the perceived value
  • Refund can't be used during the trip when it matters most
  • Poor traceability: disputes, delays, “where is my money?”
  • Low trust drives lower repeat usage and higher support costs
Traveler
No instant value; uncertainty + friction → drop-off and abandoned refunds
Merchant
Checkout friction + poor experience → lost conversions and lower repeat sales
Acquirer/Bank
Lost card spend + limited visibility; can't monetize the flow cleanly
Government
Lower compliance signal quality; fragmented records and validation noise

Instant - Never Reckless

Instant advances are conditional. Final settlement follows export validation.

→ KYC/AML at onboarding.

→ Trip-aware risk scoring based on ticket, location, and spend patterns.

→ Export validation required (DIVA/PABLO or local customs equivalent).

→ Dynamic limits, reserves, and clawback rules for non-validated exports.

Phone with the application open

The brain behind every journey

NOOVAT's AI learns your taste, maximizes your refund, and recommends your next purchase. Refund instantly. Spend smarter.

NOOVAT app on multiple devices
NOOVAT/ESOF®

ESOF® - Efficient Split of Funds

ESOF® is NOOVAT's orchestration layer for Instant Tax-Free
It turns a standard POS purchase into a real-time, compliant refund experience - automatically splitting funds across the right parties, enabling instant advances to travelers, and keeping audit-ready traceability from purchase to export validation.

Instant
Advance at checkout
Compliant
Traceable by design
Frictionless
All-digital flow.
Contactless card payment

Distribution Engine

A network that compounds with every partner

01
Acquirers
→ Merchant Network

Each acquirer unlocks a new merchant network.

Merchants onboard once into NOOVAT - then become part of our own growing merchant graph, compounding as we add more acquirers.

Partner integrations scale distribution. Merchant onboarding builds proprietary coverage.

02
Checkout Placement
→ Traveler Capture

We acquire travelers at the moment of purchase.

Every eligible transaction becomes a NOOVAT touchpoint - Turning refunds into verified travel profiles.

03
Traveler Network
→ Spend Reallocation

We can re-direct refund spend back into the network.

  • Location-based push to nearby partner merchants
  • Personalized discounts based on shopping preferences
  • Better deals when travelers spend their refund at selected merchants
  • Campaigns that merchants + banks can co-fund (measurable ROI)

Distribution that compounds.

More acquirers → more merchants → more travelers → more data → better personalization → more spend → more acquirers.
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