Andrew Golf: AI Support Documentation
Comprehensive knowledge base, operating procedures, and FAQ documentation designed to power Decagon's AI support agents for the Andrew Golf platform—where advanced golf tracking meets seamless financial services.
Knowledge Foundation: Core Platform Documentation
These source-of-truth articles form the foundation of Decagon's knowledge base. They cover everything from basic onboarding to complex financial operations, ensuring AI agents can confidently guide users through any scenario.
Getting Started Guide
Platform overview and initial setup walkthrough for new users
Wallet & Card Integration
Financial ecosystem explanation covering digital wallet and credit card features
Scoring & Handicaps
Technical documentation on score tracking and USGA/GHIN integration
Social Wagering
Automated betting, settlement, and money movement protocols
Groups & Trips
Community features and logistics management capabilities
YARDS Rewards
Earning mechanisms and redemption options for the loyalty program
Article 1: Getting Started with Andrew Golf
What Andrew Offers
Andrew Golf is a comprehensive platform that unifies golf scoring, advanced statistics, USGA/GHIN handicap management, a digital wallet, and a golf-specific credit card with integrated rewards (YARDS) into one seamless experience.
Users can track scores across 40,000+ courses worldwide, access GPS yardages and green maps, and let Andrew automatically manage their official USGA/GHIN handicap without manual submissions.
Business Model Advantage
Unlike competitors charging monthly subscription fees, all core golf features—including advanced GPS, comprehensive scoring, detailed stats, USGA integration, and social features—are completely free. Andrew monetizes through the Andrew Card and YARDS ecosystem instead.
Onboarding Steps
  1. Download the app for iOS or Android
  1. Create account and verify email or phone number
  1. Optionally link or create USGA/GHIN handicap profile
  1. Optionally apply for or connect Andrew Card
  1. Enable location services and confirm home course

Agent Use Case: This article enables agents to answer fundamental "what is Andrew?" questions and guide first-time users through setup, troubleshooting verification issues, and explaining the free model.
Article 2: Andrew Wallet & Card Ecosystem
The Dual Financial System
Andrew's financial ecosystem consists of two interconnected components that work together to create a frictionless golf economy:
Andrew Wallet
A digital wallet living inside the app for golf-related money flows—settling wagers instantly, splitting green fees with your foursome, managing trip costs, and sending money to other Andrew users.
  • Fund via linked bank accounts or external cards
  • Pay other users or settle golf bets automatically
  • Transfer funds to/from Andrew Card balance
Andrew Card
A full-featured credit card accepted anywhere, designed specifically for golfers. Every purchase—whether golf-related or everyday spending—earns YARDS rewards that unlock exclusive golf experiences.
  • Use anywhere credit cards are accepted
  • Earn YARDS on all purchases plus bonus categories
  • Seamlessly integrates with Andrew Wallet
YARDS Rewards Program
Earning YARDS
  • Base earn rate on all Andrew Card purchases
  • Bonus earnings on golf-specific spend (green fees, pro shop, travel)
  • Activity bonuses for playing rounds, hosting trips, and social engagement
Redeeming YARDS
  • Travel packages and resort stays at premier golf destinations
  • Immersive experiences and exclusive golf events
  • Shopping, merchandise, and gift cards
  • Statement credits to cover recent Andrew Card charges

Admin Console & API Access: GET /users/{id}/wallet, POST /wallet/transfers, GET /users/{id}/yards, POST /cards/{cardId}/freeze
Article 3: Scoring, Stats & USGA/GHIN Handicap Management
Comprehensive Score Tracking
Andrew provides golfers with professional-grade scoring and statistics tracking. Users can enter scores hole-by-hole during play or as totals after the round, while the system automatically captures detailed statistics including fairways in regulation (FIR), greens in regulation (GIR), total putts, penalties, and more.
USGA/GHIN Integration
For users who link their GHIN profile, Andrew automatically formats eligible scores according to USGA specifications and submits them for official handicap calculation. This eliminates manual posting while ensuring compliance with all handicap rules.
01
Score Entry & Validation
System validates score data, checks for required fields, and confirms tee/course information
02
ESC Application
Automatically applies Equitable Stroke Control and calculates proper score differential
03
GHIN Submission
Formats and transmits score to GHIN API with appropriate rating and slope values
04
Confirmation & Sync
Verifies successful posting and updates handicap index in real-time
Handling Sync Failures
When scores fail to sync due to network errors or GHIN API issues, support agents can verify round details, re-submit via the GHIN integration, or mark submissions as pending with failure reasons clearly documented.
Common Edge Cases
  • Wrong tees selected: Adjust rating/slope values and resubmit with corrected data
  • Incorrect ESC handling: Recalculate score differential using proper net double-bogey limits
  • Duplicate posts: Reverse one submission while preserving audit trail

API Endpoints:
GET /users/{id}/rounds
POST /handicap/sync
POST /rounds/{roundId}/adjust
Article 4: Social Wagering & Automatic Settlement
Sophisticated Game Formats
Andrew supports the full spectrum of popular golf betting games—Nassau, Skins, Wolf, and many more. Users set up matches with their preferred formats and stakes, while Andrew's betting engine automatically calculates winnings across complex player combinations and game variations.
Game Setup
Players configure formats, stakes, and teams before the round begins
Live Tracking
System tracks scores hole-by-hole and calculates running totals in real-time
Final Settlement
After scores post to GHIN, Andrew confirms results and calculates net positions
Instant Transfer
Funds automatically move between wallets—no Venmo or cash needed
The Settlement Process
Once the round is complete and all scores are finalized (including submission to GHIN for handicap purposes), Andrew executes a fully automated settlement sequence:
  1. Confirms all scores are verified and locked
  1. Runs the betting engine across all configured games
  1. Calculates net winnings and losses per player
  1. Generates a detailed ledger showing money flow
  1. Automatically transfers funds between Andrew Wallets
Transparency & Tracking
Players can view comprehensive breakdowns including:
  • Results for each game type and configuration
  • Hole-by-hole outcomes and cumulative totals
  • Complete transaction ledger with timestamps
  • Historical record of all wagers and settlements

API Support: GET /rounds/{roundId}/bets, POST /rounds/{roundId}/settle, POST /rounds/{roundId}/void, POST /wallet/transfers
Article 5: Groups, Leagues & Golf Trips
Building Golf Communities
Andrew transforms how golfers organize and manage their social golf experiences. Users create private groups for regular foursomes, full clubs, or competitive leagues—managing scheduling, scoring, and events all within a single platform.
Group Management
Create private communities with custom leaderboards, event scheduling, and group chat functionality
Trip Coordination
Organize complete golf trips including flights, transportation, and tee times in one interface
Shared Expenses
Automatically split costs for lodging, carts, caddies, and manage group financial obligations
Effortless Golf Trip Planning
The trip management system consolidates all logistics and financial tracking into a unified experience. Organizers can coordinate flights, ground transportation, and multiple rounds across different courses, while the trip ledger automatically tracks who owes what for each component.
Key Features
  • Group chat and direct messaging
  • Event and tee-time invitations with RSVP tracking
  • Comprehensive trip itinerary shared with all participants
  • Automated cost splitting and wallet integration
  • "Settle trip" function to zero out all balances instantly
Wallet Integration
Andrew eliminates the post-trip hassle of collecting payments. The system can automatically split shared costs and charge individual wallets based on usage. Trip organizers use a single "settle trip" action to balance all accounts and close out financial obligations.

Admin APIs: GET /groups/{groupId}, POST /groups/{groupId}/members, POST /trips/{tripId}/update, POST /trips/{tripId}/settle
Article 6: Earning & Redeeming YARDS
Comprehensive Rewards Program
YARDS transforms everyday spending and golf activity into tangible value, creating a closed-loop rewards ecosystem designed specifically for the golf lifestyle.
Card Purchases
Earn base rate on all Andrew Card transactions, with enhanced earnings on golf-specific categories like green fees, pro shop purchases, and travel
Platform Activity
Bonus YARDS for completing your first trip, inviting friends to join Andrew, playing milestone rounds, and engaging with the community
Premium Redemptions
Access exclusive travel packages, resort stays, immersive golf experiences, merchandise, gift cards, and statement credits
Earning Opportunities
Purchase-Based Earning
  • Standard earn rate on all Andrew Card spending
  • Bonus multipliers for golf-related purchases
  • Enhanced rates for travel bookings and resort stays
  • Special promotional periods with elevated earning
Activity-Based Bonuses
  • Complete your first organized golf trip
  • Invite friends and earn when they join
  • Play milestone rounds (10th, 50th, 100th)
  • Participate in community events and tournaments
Redemption Options & Policies
YARDS can be redeemed for travel and resort stays at premier golf destinations, immersive experiences and exclusive events, shopping and merchandise from partner brands, gift cards across hundreds of retailers, or as statement credits applied directly to recent Andrew Card charges.
Expiration Rules
Clear policies governing YARDS lifespan and account activity requirements
Redemption Refunds
Guidelines for reversing redemptions and restoring YARDS to accounts
Posting Timeline
Expected timeframes for YARDS to appear after qualifying purchases or activities

Management APIs: GET /users/{id}/yards, POST /yards/redeem, POST /yards/adjust
Standard Operating Procedures
These comprehensive workflows define exactly how Decagon AI agents should handle complex, multi-step support scenarios from initial contact through resolution. Each SOP includes authentication requirements, step-by-step procedures, API calls, escalation triggers, and user communication templates.
SOP 1: Lost or Stolen Card
Secure account, freeze card, review transactions, create disputes, and issue replacement
SOP 2: Wager Settlement Correction
Identify errors, void incorrect settlements, adjust data, and recalculate with proper transfers
SOP 3: GHIN Handicap Sync
Diagnose sync failures, correct underlying data, resubmit rounds, and verify final status
SOP 4: Trip Modification
Update itineraries, adjust participants and costs, recalculate obligations, and notify group
SOP 1: Lost or Stolen Andrew Card
Goal: Secure Account & Issue Replacement
When users report their Andrew Card as lost or stolen, immediate action is critical to prevent unauthorized charges. This procedure ensures account security while minimizing user disruption through rapid card replacement.
Authenticate User
Verify identity via in-chat OTP, security questions, or active logged-in session. High-risk signals (unusual IP/device) require enhanced verification or escalation.
Confirm Card Details
Pull active cards via GET /users/{id}/cards API. Ask user to confirm last four digits and card type (physical/virtual).
Freeze Immediately
Execute POST /cards/{cardId}/freeze or use admin UI toggle. Confirm status changed to FROZEN and inform user.
Review Recent Activity
Call GET /cards/{cardId}/transactions?since=24h. Ask user: "Do you recognize these recent transactions?" Flag suspicious activity.
Create Disputes
For each flagged transaction, POST /transactions/{txId}/dispute with reason codes. Provide reference numbers and investigation timeline.
Order Replacement
Confirm shipping address (update via POST /users/{id} if needed). Execute POST /cards/{cardId}/replace, confirm arrival date and number change.
Summarize Actions
Recap all steps: "I froze card ending in 1234, raised disputes on 2 charges, and ordered a new card arriving by Friday." Provide links to status tracking.

Escalation Trigger: Multiple high-risk signals (KYC mismatch, address change during fraud report) → escalate to human fraud team, mark account "under review"
SOP 2: Fix Incorrect Wager Settlement
Goal: Correct Miscalculated Bets & Adjust Wallets
When post-round settlements are disputed or calculated incorrectly, agents must diagnose the root cause, reverse improper transactions, and recalculate with corrected data—all while maintaining clear audit trails.
Trigger Phrases
  • "The bets from today's round are wrong"
  • "Andrew charged me the wrong amount for our Nassau"
  • "Settlement on yesterday's match is off"
1
Identify Round & Games
Request course + date/time or round ID. Use GET /users/{id}/rounds?date=YYYY-MM-DD to show candidates. Confirm selection.
2
Review Configuration
Pull round data (GET /rounds/{roundId}) and bet details (GET /rounds/{roundId}/bets). Check for wrong tees, missing players, incorrect strokes, or setup errors.
3
Clarify the Problem
Determine if issue stems from wrong scores, incorrect players/teams, wrong bet setup (stakes, presses), or pure system error.
1
Correct Data
Adjust scores (POST /rounds/{roundId}/adjust), update participants/tees, or edit bet configuration if pre-settlement edits are allowed
2
Void Settlement
Execute POST /rounds/{roundId}/settlement/void and reverse all wallet transfers (POST /wallet/transfers/reverse)
3
Recalculate
Run POST /rounds/{roundId}/settle to execute corrected bet engine with proper amounts per player
4
Explain Changes
Clearly communicate: "Originally you paid $40; after correction you should receive $20 from Alex and $20 from Chris"

Escalation: Large rounds (>$X total) or repeated disputes → human review. Player conflicts about scores → AI logs full context and passes to support.
SOP 3: USGA/GHIN Handicap Sync Issue
Goal: Ensure All Valid Rounds Reflect in Handicap
Handicap synchronization failures can stem from data mismatches, course mapping issues, or API connectivity problems. This SOP ensures agents can diagnose root causes and execute proper remediation.
1
Confirm GHIN Link
Check GET /users/{id}/handicap. If unlinked, guide through OAuth/lookup. If linked, verify GHIN ID and club association.
2
Identify Problem Rounds
Display recent rounds with sync status: POSTED, PENDING, FAILED, NOT_ELIGIBLE. User identifies which rounds need attention.
3
Diagnose Failure Reason
For FAILED rounds, inspect error codes: course mismatch, missing tee data, ESC calculation issue, or GHIN API downtime.
4
Fix & Resubmit
Adjust scores/tees (POST /rounds/{roundId}/adjust), map course/tee to GHIN database, then resubmit via POST /handicap/sync.
5
Handle Duplicates
For double-posted rounds, execute POST /handicap/void for duplicate entry or mark as ignored in Andrew system.
6
Verify Final Status
Confirm handicap index matches expectations. Explain: "Your index changed from 10.8 to 10.4 because yesterday's 78 (differential 5.9) has now been included."

Escalation Criteria: Systemic discrepancies across multiple rounds over extended periods → escalate to handicap operations team for comprehensive audit
SOP 4: Modify Golf Trip & Notify Group
Goal: Update Itinerary, Costs & Keep Everyone Informed
Trip modifications require careful coordination of logistics, financial recalculations, and group communications. This SOP ensures changes propagate correctly across all systems and participants.
Locate the Trip
Request destination/date or trip name. Execute GET /users/{id}/trips?upcoming=true and confirm correct trip with organizer.
Determine Changes
Identify modification type: tee time adjustments, player additions/removals, cost split changes (lodging, carts, caddies), or travel segment updates (flights, transfers).
Execute Modifications
Update tee times (POST /trips/{tripId}/rounds/{roundId}), modify participants (POST /trips/{tripId}/participants), adjust costs (POST /trips/{tripId}/expenses).
Recalculate Obligations
If costs changed, recalculate per-person amounts. Preview via POST /trips/{tripId}/settle/preview, then commit after organizer confirmation.
Notify Group
Post updated itinerary message in trip/group chat. Send push/email notifications to all participants about changes.
Confirm with Organizer
Provide clear before/after comparison in plain language. Share link to updated trip overview showing all modifications.
Example Modifications
  • Move Scottsdale trip tee time from 9:00 AM to 11:00 AM
  • Add friend Sam to Saturday round at Pebble Beach
  • Remove hotel from trip expenses (staying elsewhere)
  • Change flight times for three participants

Escalation: When external vendor integrations (airlines, hotels) are involved and change fees may apply → escalate to travel support or require explicit organizer confirmation of fees
Extensive FAQ: Comprehensive User Q&A
This expansive FAQ library covers the full spectrum of user questions, from basic account setup through complex financial operations. Organized by category, these answers assume AI agents have access to both admin UI and REST APIs for seamless issue resolution.
Account & Onboarding
Platform overview, signup process, verification, and initial setup
Scoring & Handicaps
Round tracking, statistics, GPS, and USGA/GHIN integration
Wagering & Games
Bet formats, settlement mechanics, and dispute resolution
Wallet & Payments
Funding, withdrawals, transfers, and balance management
Card & YARDS
Card application, usage, rewards earning, and redemption
Groups & Trips
Community creation, trip planning, and expense management
Security & Privacy
Data protection, account security, and compliance
Account & Onboarding: What is Andrew?
Golf. Simplified. Rewarded.
The Complete Golf Platform
Andrew is a comprehensive golf platform that unifies score tracking, advanced statistics, USGA/GHIN handicap management, a digital wallet, and a golf-specific credit card with integrated YARDS rewards into one seamless experience.
Track scores across 40,000+ courses worldwide, access GPS yardages and detailed green maps, and let Andrew automatically manage your official USGA/GHIN handicap—all without juggling multiple apps or manual submissions.
Is Andrew Free? Subscription Model Explained
$0
Monthly Subscription
All core golf features are completely free—no subscription required, ever
40K+
Supported Courses
Access GPS, scoring, and stats on over 40,000 courses worldwide
100%
Features Included
Advanced GPS, scoring, stats, USGA integration, and social features all free
The Andrew Business Model
Unlike competitors who charge monthly subscription fees for basic features, Andrew takes a fundamentally different approach. All core golf functionality—including advanced GPS with green maps, comprehensive score tracking, detailed statistics, USGA/GHIN integration, and social features—is completely free to use.
Andrew monetizes instead through the Andrew Card and YARDS rewards ecosystem. This alignment means we succeed when you use your card and engage with the platform, not by charging for basic golf features that should be accessible to everyone.
Creating Your Andrew Account
Quick & Simple Registration
Getting started with Andrew takes just a few minutes. Download the app for iOS or Android, tap Sign Up, and create your profile using your email address or phone number.
01
Download App
Available on iOS App Store and Google Play Store for Android devices
02
Enter Information
Provide email or phone number, create password, and add basic profile details
03
Verify Contact
We'll send a verification code to confirm your email or phone number
04
Complete Setup
Enable location services, confirm home course, and optionally link GHIN or apply for Andrew Card
Verification Code Troubleshooting
When Verification Codes Don't Arrive
If you don't receive your verification code within a few minutes, there are several steps our support agents can take to resolve the issue quickly.
Common Solutions
  • Check spam/junk folders for email verification codes
  • Verify contact information is typed correctly without typos
  • Request code resend through support agent access
  • Update contact details via admin panel if incorrect
  • Check provider logs if delivery continues failing
Agent Actions
Support agents can resend verification codes directly, update your contact information in the admin panel to correct typos, and escalate to check SMS/email provider logs if codes consistently fail to deliver.

Most verification issues stem from simple typos in email addresses or phone numbers. Always confirm the contact information matches what the user intended.
Starting a Round & Keeping Score
From Tee to Green: Digital Scoring
Andrew makes score tracking effortless while capturing the detailed statistics serious golfers crave. With support for over 40,000 courses worldwide, you can track rounds anywhere you play.
1
Launch Round
Open app and tap Play button to begin
2
Find Course
Search our database of 40,000+ courses
3
Select Tees
Choose appropriate tees for each player
4
Add Players
Invite playing partners to the round
5
Choose Games
Optionally set up betting formats
6
Start Playing
Enter scores hole-by-hole or at the end
GPS Distances & Green Maps
Professional-Grade Course Data
For supported courses, Andrew provides comprehensive GPS yardages and detailed green maps that give you the information you need for every shot.
Available Information
  • Distances to front, middle, and back of green
  • Yardages to key hazards and landmarks
  • Detailed green contours and slopes
  • Layup distances for strategic play
  • Real-time GPS accuracy using your phone's location

GPS accuracy requires location services to be enabled on your device. Andrew works on any smartphone with GPS capability—no additional hardware needed.
USGA/GHIN Handicap Management
Automatic Official Handicap Tracking
When you link your GHIN ID to your Andrew account, the platform becomes your automated handicap secretary—formatting eligible scores according to USGA specifications and submitting them on your behalf.
Link GHIN Profile
Connect your existing GHIN ID or create a new GHIN profile through Andrew
Play Your Rounds
Score rounds normally using Andrew's tracking—we'll handle the rest
Automatic Formatting
Andrew applies proper ESC, calculates differentials with correct rating/slope
Submit to GHIN
Eligible scores are automatically transmitted to GHIN for official posting
Stay in Sync
Your handicap index updates in real-time as scores post successfully
You can view which rounds were successfully posted, which are pending submission, or which were marked as ineligible (for example, rounds with too few holes completed). Full transparency into your handicap calculation history.
Fixing Failed GHIN Posts
When Rounds Don't Sync to GHIN
Occasionally, scores fail to post to GHIN due to network errors, course mapping issues, or API connectivity problems. Our support team can quickly diagnose and resolve these issues.
Support Resolution Process
  1. Check the round's sync status in our system
  1. Identify failure reason (wrong tees, missing course mapping, network error)
  1. Fix underlying data issues (adjust tees, map course to GHIN database)
  1. Resubmit the round through our GHIN integration
  1. Confirm successful posting and updated handicap index
Common Failure Reasons
  • Course not mapped: New courses need to be linked to GHIN database
  • Wrong tees selected: Rating/slope values don't match GHIN records
  • Network timeout: Temporary connectivity issue during submission
  • ESC calculation: Score differential computation needs adjustment
  • GHIN API downtime: Temporary outage on GHIN's systems

Support agents have full access to round data, sync status, and the ability to resubmit with corrected information. Most issues are resolved within minutes.
Correcting Posted Scores
Fixing Mistakes After Submission
Everyone makes data entry errors. When you discover you've posted an incorrect score to GHIN through Andrew, our support team can make corrections while maintaining compliance with USGA guidelines.
Contact Support
Reach out with the round details you need to correct (date, course, incorrect score)
Adjust in Andrew
We'll update the score data in our system with the correct information
Update GHIN
If already posted to GHIN, we'll either update the existing post or void and repost with correct data
Verify Index
Confirm your handicap index reflects the corrected score appropriately
All corrections maintain full audit trails and comply with USGA score revision procedures. Your handicap history remains accurate and defensible.
Supported Betting Game Formats
Every Format. Automatic Calculation.
Andrew's betting engine supports the full spectrum of popular golf games, from classic Nassau to complex Wolf variations. Set your stakes and let the system handle all the math.
Nassau
Front nine, back nine, and overall bets with automatic press tracking
Skins
Carryovers, ties, and validation across any stake amount
Wolf
Lone wolf, partner selection, and point calculations across rotating teams
Bingo Bango Bongo
First on green, closest to pin, first in hole tracking
Match Play
Individual or team match play with proper handicap adjustments
Dots
Positive and negative dot tracking with custom point values
The system automatically calculates winnings across complex player combinations and game variations, ensuring everyone knows exactly what they've won or lost—no arguments, no spreadsheets, no confusion.
How Wagers Are Settled
Automatic Financial Settlement
Once your round is complete and all scores are finalized (including submission to GHIN for handicap purposes), Andrew executes a fully automated settlement sequence that eliminates the awkward post-round cash exchange.
1
Scores Finalized
All players confirm their scores and the round is locked
2
Engine Calculation
Betting engine runs across all configured games and formats
3
Ledger Generation
System creates detailed record of who owes whom and how much
4
Wallet Transfers
Funds automatically move between Andrew Wallets to settle all bets
Complete Transparency
Every player can see comprehensive breakdowns showing game-by-game results, hole-by-hole outcomes, cumulative totals, and the complete transaction ledger with timestamps. No confusion about where money went—just clear, auditable records.
Opting Out of Automatic Settlement
Flexible Settlement Preferences
While automatic settlement through Andrew Wallet is the seamless default experience, you maintain full control over how your bets are settled.
Two Settlement Options
Automatic Settlement (Default): Andrew Wallet handles all transfers instantly after the round. Winnings appear in your wallet immediately, and losses are deducted automatically. No manual coordination required.
Manual Settlement (Optional): Andrew tracks all game results and calculates amounts owed, but doesn't execute wallet transfers. You settle with your playing partners however you prefer—cash, Venmo, or just keeping a running tab.

Support agents can update your default settlement preference in your profile settings. This choice can be changed at any time and applies to all future rounds.
Correcting Post-Settlement Errors
When Mistakes Are Discovered After Settlement
If you discover a scoring mistake or configuration error after settlement has already occurred, don't worry—the system can reverse and recalculate with proper corrections.
Contact Support Immediately
Reach out with the round details and explain what was incorrect (wrong score, incorrect player, bet misconfiguration)
Correction & Verification
Support will correct the underlying data—scores, game configuration, or player assignments—and verify the changes with you
Void Original Settlement
We'll void the incorrect settlement and reverse all associated wallet transfers, creating a clear audit trail
Recalculate & Reapply
The betting engine runs again with corrected data and applies the proper settlement with updated wallet transfers
Clear Explanation
You'll receive a detailed breakdown: "Originally you paid $40; after correction you should receive $20 from Alex and $20 from Chris"
Understanding Andrew Wallet
Your Golf Financial Hub
Andrew Wallet is your in-app digital wallet designed specifically for the financial flows that happen around golf—from settling bets to splitting green fees and managing trip expenses.
Wallet Capabilities
  • Store funds for immediate use on golf-related expenses
  • Receive winnings from matches instantly after settlement
  • Pay other Andrew users for shared costs or side bets
  • Split green fees, cart rentals, and caddie tips automatically
  • Manage trip expenses across multi-day golf outings
  • Transfer funds to and from your Andrew Card
Transaction History
Your wallet maintains a complete, searchable transaction history showing:
  • Date, time, and amount for every transaction
  • Counterparty information (who you paid or received from)
  • Transaction type (bet settlement, trip expense, transfer)
  • Associated round or trip details for context
  • Running balance after each transaction
Adding Money to Your Wallet
Multiple Funding Options
Andrew Wallet supports several methods for adding funds, giving you flexibility based on your preferences and needs.
Bank Account Transfer
Link your checking or savings account for direct transfers. Standard processing typically takes 1-3 business days, though instant transfers may be available depending on your bank.
Andrew Card Transfer
Move funds from your Andrew Card balance into your wallet instantly. Perfect for rebalancing between your card and wallet accounts.
Digital Wallets
If enabled for your account, use Apple Pay, Google Pay, or link another debit/credit card for immediate funding.

Support agents can view your wallet, check transaction status, and help troubleshoot failed top-ups by examining transfer logs and payment processor responses.
Withdrawing Funds from Wallet
Moving Money to Your Bank
When you want to move money out of your Andrew Wallet to your bank account, the process is straightforward through the app interface.
Withdrawal Process
  1. Open Andrew Wallet in the app
  1. Tap "Withdraw" or "Transfer to Bank"
  1. Select your linked bank account (or add one)
  1. Enter the amount you want to withdraw
  1. Confirm the transaction details
  1. Track status in your transaction history
Processing Timeline
Depending on your bank's processing speed, withdrawals typically take 1-3 business days to appear in your bank account. Standard ACH transfer times apply.
Support Assistance
If your withdrawal gets stuck or doesn't arrive within the expected timeframe, support agents can:
  • Check withdrawal status in our systems
  • Verify the linked bank account details
  • View processor logs for any errors
  • Cancel pending withdrawals if needed
  • Re-issue failed transfers
Resolving Wallet Balance Discrepancies
When Your Balance Doesn't Look Right
If you believe your Andrew Wallet balance is incorrect, support agents have comprehensive tools to investigate and resolve the issue.
01
Pull Transaction History
Support retrieves your complete transaction log with all deposits, withdrawals, and transfers
02
Identify Anomalies
Review for duplicated transactions, reversed transfers, pending holds, or processing errors
03
Verify Calculations
Confirm the running balance matches the sum of all transactions from account opening
04
Issue Corrections
If errors are found, support can issue balance adjustments via admin console with detailed audit notes
05
Explain Resolution
Provide clear explanation of what caused the discrepancy and how it was corrected

All balance adjustments require proper authorization and create permanent audit trails for compliance and accountability.
What Is the Andrew Card?
Your Golf Lifestyle. One Card.
The Andrew Card is a full-featured credit card built specifically for the golf lifestyle. Use it anywhere credit cards are accepted—from your local pro shop to everyday purchases—and earn YARDS rewards on every transaction.
Universal Acceptance
Use anywhere credit cards are accepted worldwide, both in-person and online
Earn YARDS
Every purchase earns YARDS, with bonus earnings on golf-related spending
Digital First
Instant digital card available immediately upon approval, physical card follows by mail
Secure & Protected
Industry-standard security with instant freeze capability and fraud protection
Applying for the Andrew Card
Fast Application & Instant Decisions
Getting your Andrew Card is designed to be quick and straightforward, with most applications receiving instant decisions.
Application Steps
  1. Open the Andrew app and navigate to the Card tab
  1. Tap "Apply Now" to start your application
  1. Provide basic personal information (name, address, SSN, DOB)
  1. Complete identity verification (KYC) requirements
  1. Review terms and submit application
  1. Receive instant decision in most cases
After Approval
If approved, your digital Andrew Card becomes available immediately in the app for online purchases and digital wallet use. A physical card will be mailed to your verified address within 7-10 business days.
Viewing Your YARDS Balance
Track Your Rewards
Your YARDS balance and earning history are always accessible in the app, giving you complete visibility into your rewards accumulation.
Current Balance
See your total YARDS available for redemption at any time
Earn History
View detailed log of YARDS earned from card purchases and platform activities
Pending Rewards
See YARDS from recent transactions that haven't posted yet (typically 1-7 days)
Redemption History
Track all past redemptions with dates, amounts, and what you redeemed for
Open the YARDS or Rewards section in the app to access your complete rewards dashboard with all this information in one place.
YARDS Redemption Options
Turn Rewards into Experiences
YARDS offer exceptional flexibility, allowing you to redeem for everything from dream golf trips to everyday value.
Travel & Resort Stays
Book stays at premier golf destinations and resorts worldwide using your YARDS balance
Golf Experiences & Events
Access to exclusive tournaments, pro-ams, fantasy golf camps, and once-in-a-lifetime experiences
Shopping & Merchandise
Redeem for golf equipment, apparel, accessories, and gift cards across hundreds of retailers
Statement Credits
Apply YARDS as credits against recent Andrew Card purchases for instant value
Missing YARDS from Purchases
When Rewards Don't Appear
Sometimes YARDS take a few days to post as transactions get confirmed by merchants. If YARDS still haven't appeared after the normal processing window, support can investigate and resolve the issue.
Normal Processing Time
Most YARDS post within 1-3 business days after a transaction clears. Some merchants batch their confirmations, which can extend this to 7 days for certain transaction types.
When to Contact Support
If YARDS haven't appeared 7 days after your purchase, it's time to reach out. Have your transaction details ready (date, merchant name, amount).
Support Resolution
Our agents can:
  • Look up the transaction in our processing systems
  • Verify the merchant category and earn rate that should apply
  • Check if the transaction was flagged for any reason
  • Manually credit eligible YARDS via admin panel
  • Add detailed notes explaining the resolution

Manual YARDS credits create audit trails and require proper authorization to maintain program integrity.
Returns & YARDS Reversals
What Happens When You Return Items
When you return an item purchased with your Andrew Card, the financial transaction reverses—and so do any YARDS you earned from that purchase.
Return Processed
Merchant processes your return and issues a credit to your Andrew Card
YARDS Reversed
The YARDS originally earned from the purchase are deducted from your balance
Statement Credit Handling
If you used YARDS as statement credit on that purchase, we may re-credit those YARDS or adjust your balance according to program policy
Balance Updated
Your YARDS balance reflects the reversal, and you'll see the adjustment in your transaction history
This ensures YARDS are only earned on actual, completed purchases—maintaining fairness and program sustainability.
Lost or Stolen Card: Immediate Actions
Act Fast. Stay Secure.
Instant Protection
If your Andrew Card is lost or stolen, freezing it immediately is critical to prevent unauthorized charges. You can do this instantly in the app or by contacting support.
In-App Freeze
  1. Open Andrew app
  1. Go to Card section
  1. Tap "Freeze Card"
  1. Confirm the action
Your card is now frozen and cannot be used for any transactions, whether physical or digital.
Support Process
When you contact support, we'll:
  • Verify your identity immediately
  • Freeze the card in our systems
  • Review recent transactions for fraud
  • Create disputes for suspicious charges
  • Order a replacement card to your address

This process is covered in detail by SOP 1: Lost or Stolen Andrew Card, which guides agents through authentication, transaction review, dispute creation, and replacement ordering.
Creating Groups for Your Foursome or League
Build Your Golf Community
Andrew Groups bring your regular playing partners or full golf leagues into one organized space for scheduling, scoring, and socializing.
Create Group
Navigate to Groups section and tap "Create Group". Give it a name that represents your community.
Invite Members
Add members via phone number, email, or Andrew username. They'll receive invitations to join.
Configure Settings
Set up group preferences like default game formats, handicap requirements, and privacy settings.
Start Organizing
Schedule rounds, track group stats and leaderboards, manage events, and plan trips—all in one place.
How Golf Trips Work in Andrew
From Planning to Settlement
Golf trips in Andrew consolidate all the logistics and financial complexity of multi-day outings into one seamless interface that keeps everyone informed and accounts balanced.
Itinerary Planning
Organize rounds at multiple courses with tee times, rental confirmations, and travel segments
Lodging Coordination
Track accommodations with participant assignments and cost allocation
Transportation
Manage flights, rental cars, and ground transfers for all participants
Shared Expenses
Automatically split costs for lodging, carts, caddies, meals, and incidentals
Group Communication
Built-in chat keeps everyone coordinated with real-time updates and messaging
Auto-Settlement
One-tap trip settlement zeros out all balances via Andrew Wallet transfers
Everyone sees the complete itinerary, knows exactly what they owe, and can communicate in one dedicated space—no more endless group text threads and spreadsheets.
Adjusting Trips When Plans Change
Flexibility for the Unexpected
When someone drops out or plans change, Andrew makes it easy to modify trip details and recalculate financial obligations without manual spreadsheet work.
Common Modifications
  • Remove participant who can't attend
  • Add last-minute player
  • Change tee times or courses
  • Update lodging arrangements
  • Modify transportation bookings
  • Adjust shared expense splits
Automatic Rebalancing
When you edit your trip in the app or contact support for assistance, Andrew will:
  1. Remove or add participants from affected expenses or entire trip
  1. Recalculate per-person cost splits among remaining/new players
  1. Reverse existing wallet charges if already applied
  1. Issue new wallet transfers with updated amounts
  1. Provide a clean, updated ledger showing new balances
Everyone sees the updated itinerary and their new financial obligations immediately.
Security, Privacy & Financial Protection
Bank-Grade Security for Your Golf Finances
Andrew Wallet and the Andrew Card employ industry-standard security measures to protect your financial information and transactions.
Encryption Everywhere
All data is encrypted in transit using TLS and at rest using AES-256. Your financial information is protected at every point in the system.
Tokenized Card Numbers
Your actual card number is tokenized and never shown in full within the app. Even our support staff can't view complete card numbers.
Strong Authentication
Sensitive actions like card freezing, large withdrawals, and profile changes require additional authentication beyond your password.
Regulatory Compliance
We comply with all relevant financial regulations, data protection laws, and card network security standards.
Your privacy policy at andrew.golf/privacy-policy provides complete details on data handling, retention, and your rights.
Changing Personal Information
Keeping Your Profile Current
Maintaining accurate personal information ensures smooth operations for payments, shipping, and communications.
Self-Service Updates
Most information can be updated directly in the app:
  1. Open Andrew app
  1. Navigate to Profile → Settings
  1. Select the information you want to update
  1. Make your changes
  1. Confirm and save
Updates to email, phone number, and address can typically be handled this way.
Changes Requiring Verification
Some changes impact your Andrew Card or require re-verification for regulatory compliance:
  • Legal name changes: Require documentation and support assistance
  • SSN corrections: Need identity verification before updating
  • Significant address changes: May trigger additional KYC checks
For these changes, contact support. Agents can update information via the admin interface after completing proper verification procedures.
Account Deletion & Data Privacy
Your Right to Be Forgotten
If you decide to leave Andrew, you have the right to request deletion of your account and associated personal data, subject to our regulatory obligations.
01
Submit Request
Contact support or use the in-app account deletion request feature to initiate the process
02
Identity Confirmation
We'll verify your identity to ensure the request is legitimate and coming from the actual account holder
03
Regulatory Explanation
We'll explain what data must be retained for financial compliance (transaction histories, tax records) and what can be deleted
04
Schedule Deletion
Your profile will be scheduled for anonymization or deletion according to our privacy policy timelines
05
Confirmation
You'll receive confirmation when the deletion process is complete, detailing what was removed and what was retained
Complete details on data retention, deletion procedures, and your privacy rights are available in our privacy policy at andrew.golf/privacy-policy.