# Welcome to Percents

Percents helps financial institutions deliver card-linked offers (CLO), branded rewards, and cashback to their cardholders. Cardholders discover eligible merchant offers, activate the offers they want, and earn the applicable reward when their qualifying card transactions settle.

Start with the [six-step Quickstart](/percents-api/quickstart) if you are ready to build.

## Choose Your Integration Path

### Use the SDK

Add a ready-made offers and rewards experience to your existing web or mobile app. The SDK displays offers and supports merchant activation; your backend keeps cardholder identity and Percents credentials secure.

[Start the SDK integration](/percents-api/embedded-widget/quickstart)

### Use the API

Build the cardholder experience yourself. Your backend registers cardholder groups, ingests transaction activity, and receives webhooks for resulting reward events.

[Explore the API integration](/percents-api/overview/guided-overview)

Both paths use the same cardholder group (CHG), offer, activation, and transaction lifecycle. You can use the SDK for the cardholder experience and the API for your backend, or build a fully API-driven experience.