# Suscríbete con Pana — April 2026 Winners Summary

**Date:** 2026-05-05
**Window processed:** April 1–30, 2026 (Month 1 of 3)
**Source:** BigQuery — `transaction` table, Pana Card Visa Platinum (Rain/RainVirtual cardprogram), settled txns
**Eligible cohort:** Pana Global users (`usertype='GLOBAL'`) only — Pana US (CFSB/i2c on PanaProgram*) excluded per T&C v2.0

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## Headline numbers (April 2026)

| Metric | Value |
|---|---|
| Total winners | **193** |
| April cashback paid | **$229.31** |
| April subscription spend (eligible) | $3702.42 |
| Total budget (3 months) | $5,000 |
| April use of budget | **4.6%** of total |
| Estimated remaining for May+June | **$4770.69** |
| Users hitting $5/user/month CAP | 1 |
| Users hitting $2/platform CAP (any) | 1 |

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## Tier breakdown (cashback amounts)

- **$5 (user cap hit)**: 1 users → $5.00
- **$2-$4.99**: 56 users → $125.71
- **$1-$1.99**: 45 users → $66.60
- **$0.50-$0.99**: 26 users → $16.65
- **<$0.50**: 65 users → $15.35

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## Top platforms by adoption

- **Apple Services (Apple.com/Bill)**: 89 winners
- **Google One**: 46 winners
- **Amazon Prime Video**: 25 winners
- **Spotify**: 22 winners
- **Canva Pro**: 6 winners
- **Microsoft 365**: 6 winners
- **Adobe Creative Cloud**: 5 winners
- **HBO Max**: 5 winners
- **Crunchyroll**: 5 winners
- **YouTube Premium**: 4 winners
- **Netflix**: 3 winners
- **Paramount+**: 2 winners
- **Tidal**: 1 winners
- **Disney+**: 1 winners

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## Country distribution

- **DO**: 141 winners
- **GT**: 12 winners
- **HN**: 11 winners
- **MX**: 10 winners
- **CO**: 7 winners
- **BO**: 3 winners
- **ES**: 3 winners
- **PY**: 2 winners
- **CA**: 1 winners
- **JM**: 1 winners

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## ⚠️ Apple Services flag

| Cohort | Count |
|---|---|
| Winners whose ONLY platform is "Apple Services (Apple.com/Bill)" | **79** |
| Winners with ANY Apple Services charge | 89 |

**Why this matters**: `APPLE.COM/BILL` is a catch-all merchant covering iCloud+, Apple TV+, Apple Music, but ALSO App Store one-time purchases, in-app subscriptions, etc. We can't distinguish at this level.

**Per T&C v2.0** the eligible Apple platforms are: **iCloud+ and Apple TV+ and Apple Music** (recurring monthly subs). Single-app purchases or one-time game purchases through Apple.com/Bill should NOT qualify.

**Decision needed before paying**:
- **Option A** — pay all $112.01 of Apple-related cashback as-is (assume good faith)
- **Option B** — exclude Apple Services entirely and re-run; users with other eligible platforms still get those, users whose ONLY platform was Apple don't get cashback
- **Option C** — manual review for Apple-only winners (~79 users, ~$93.73 in question)

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## Notes for May & June processing

- Re-run query in early **June 5** for May payments
- Re-run in early **July 5** for June payments
- Track **3-month cumulative** per user against the $15 user CAP

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## Methodology

- **Card filter**: `cardprogram IN ('Rain', 'RainVirtual')` (Pana Card Visa Platinum / Pana Global product) — `PanaProgramPhysical/Virtual` (Pana US CFSB) explicitly EXCLUDED per T&C v2.0
- **Status**: `messagetype IN ('0200','0220')` (settled) and `amountincents != 0`
- **Eligible merchants** matched by name pattern against T&C v2.0 whitelist (Netflix, Disney+, HBO Max, Amazon Prime Video, Apple TV+, YouTube Premium, Paramount+, Crunchyroll, Spotify, Apple Music, YouTube Music, Amazon Music, Tidal, Deezer, iCloud+, Google One, Microsoft 365, Canva Pro, Notion, Dropbox, Adobe Creative Cloud)
- **Excluded merchants** (NOT in T&C): TikTok, Roblox, Free Fire, gaming, dating apps, VPNs, Patreon, hosting, etc.
- **CAPs applied**: $2/platform/month, $5/user/month
- **$15/user total CAP**: not relevant for April-only run (max possible is $5)

*Generated 2026-05-05 from BigQuery via product dashboard's Metabase proxy.*