Global loyalty orchestration

Make Your Program spendable everywhere, with one integration.

Growing Points utility means winning more partners. Instead of buying them one contract and one API at a time, connect Your Program once: bring the partners you already have, switch on the merchants already live, and keep 100% of the commission on all of them.

See how it works

Pointspay · Global loyalty orchestration · Copenhagen, 2026

Already trusted by leading loyalty programs

Etihad Guest Flying Blue Miles & More SAS EuroBonus and 25+ further airline, bank and telco programs
Scale · new partners

How do you grow partnerships at scale?

Every new partner has to be won, contracted and built. Developing and managing a partner portfolio comes at a substantial cost, and that cost is linear. Every merchant is another contract, another integration, another reconciliation cycle.

Per partner, one-off
USD 100,000to integrate
Per partner, every year
USD 25,000to run
The do-it-yourself partner model
Drag to see what a partner portfolio really costs
11020
Integration spend, on your own
USD 600,000
Run-rate per year, on your own
USD 150,000
Contracting2–4 months × 6
Tech integration3–6 months × 6
Reconciling & payments6–12 weeks/yr
Managing & growing12–24 weeks/yr
Issues & unforeseen changes12–24 weeks/yr
With Pointspay: one integration, the whole networkonce, for all 6

On your own, 6 partners cost USD 600,000 up front and USD 150,000 a year to run, plus 30–60 weeks of internal effort every year. One integration with Pointspay replaces the lot.

And the figure that replaces it? Book a meeting to learn more
Scale · existing partners

Put your resources on value creation, and scale quicker.

The partners you already run are already paid for, in engineering time, finance time and account management. Transfer them onto Pointspay and that work moves with them, while every commission you negotiated stays exactly where it is. Your roadmap gets the capacity back immediately.

What moves to us

Pointspay takes the work

Contracting, integration, reconciliation and support move across with the partner. No project on your side, and nothing to maintain when a platform changes its API.

OnboardingWe do it, and we carry the merchant relationship day to day.
IntegrationBecomes ours to build and keep alive.
Reconciling & SLAsOurs. One statement, not a cycle per partner.
CampaignsMerchants fund the promotional spend that puts you in front of their shoppers.
Your tech roadmapFreed, from the first partner you transfer.
The operational cost of running a portfolio, gone.
What stays yours

Your partners stay yours

Merchants you already have under contract, plus every merchant you want to win next, in your home market, across your diaspora and inbound corridors, anywhere the network reaches.

CommissionAlready yours. We do not renegotiate what you agreed.
The relationshipYours, including the marketing calendar.
Member dataYours. You decide what a merchant sees.
PricingYour sale and redemption rates, per segment.
You keep100% of the commission, on every partner you bring.
Your portfolio, minus the cost of running it.
What you free up by transferring
Same assumptions as the model above. Drag to see the immediate saving.
Commission retained on every merchant: 100%
02040
Merchants your members can spend at
258
Integrations you no longer maintain
8
Annual partner run-cost removed
USD 200,000
Commission you keep
100%

Transferring 8 existing partners hands 8 integrations, 8 reconciliation cycles and 8 sets of SLAs to Pointspay. At USD 25,000 a year each, that is USD 200,000 of run-rate removed, while every commission stays exactly where it was. Your members then reach 258 merchants instead of 8.

1 | Connect

Instant Points transactions through direct integrations.

Your Program connects once, for currency and for data. Pointspay builds and maintains the payment and merchant connectors on both sides, so a new merchant, PSP or platform never lands on your roadmap. Our platform helps you manage your data and move your currency. We do not want your data: it is the data you choose to share with a merchant that earns you the better commission, and you stay in 100% control of what is shared.

Programs

YPYour Program
EGEtihad Guest
FBFlying Blue
MMMiles & More
EBSAS EuroBonus
BBank rewards program
TTelco rewards program
+and 25+ further programs
Program API
Member lookup Balance Debit & credit Accrual Reconciliation feed

Payment connectors

StripeAdyenAirwallex PaysendNuveiPrimer ThunesPlanetiDEAL MobilePayNetworkPay.

Web / app checkout

Members transact in Points.
Merchants settle in cash.

Merchant connectors

Payment provider
APM activation
WorldlineWorldpayPayrexxThunesPay.
E-commerce platforms
App / plugin installation
ShopifySalesforceWooCommerceAdobe CommerceShopwarePrestaShopBigCommerceOpenCart
REST API / JS libraries
Code integration
REST APIJS SDK
Affiliate providers
GTM partnership
TradedoublerCJAdtractionRakutenAWIN
Your Program sideOne integration, your API or ours
PointspayConnectors, checkout, settlement
Merchant sideAlready integrated for you
1 | Connect · merchant options

However a merchant connects, you get the transaction.

Each merchant picks the commercial shape it can fund and the integration its checkout can carry. Your Program builds none of them and takes advantage of all of them. Click any tile to see what it involves, and what it gives you.

The ways a merchant can connect

A merchant combines one from each row. Whichever combination it chooses, the Points transaction reaches your members the same way.

Commercial modelsHow the merchant funds earn and burn
Integration optionsHow the merchant builds it in. The commercial model is unaffected
1 | Connect · the checkout

One click to more Points.

Merchants can build their own checkout on our APIs. For those that would rather not, we provide the checkout as well, and this is how it would look to your members.

Try itDrag the slider, click the toggle, slide to pay.

01

Select Your Program at checkout

Listed alongside cards, bank transfer and wallets. No redirect to a separate mall.

02

Choose the split

Any amount of Points, down to the single Point. The rest goes on the saved card.

03

Earn on the whole basket

Members double-dip: they spend Points and still collect on the full order value, instantly.

04

Walk away with the next offer

Post-purchase gifting puts merchant-funded offers straight into the member's wallet.

Illustrative rates: 1 Point = USD 0.01 · earn 10 Points per USD 1
9:41
←
Checkout
Your order USD 278.00

Your loyalty program

YP Your Program
Alex M. · 122,466 Points
You earn 2,780 Points on this order

Your payment

I'm interested in paying with Points
13,900 Points = USD 139.00
Pay with Points− USD 139.00
Pay with cash− USD 139.00
Total− USD 278.00
Points earned2,780 Points
2 | Control

We secure operations. You drive commercials.

We do the job: contracting, integration, reconciliation, SLAs. Nothing commercial leaves your hands. Tap any item to see exactly where the line sits.

What Pointspay & merchants secure

Six operational burdens, off your plate

Tap any item for detail

What Your Program controls

Nine commercial levers, all yours

Tap any lever for detail

3 | Cash-in

Merchants share revenue with you and your members.

The merchant funds a commission on every transaction. Your Program receives that commission in full, whether the merchant came from your portfolio or ours, and Pointspay charges its 1.5% network fee to the merchant, not to you. Move the controls to model any basket, rate or funding split.

Inputs

Defaults show a worked example: a USD 200 basket at 8.5% commission, so USD 20 of merchant funding in total. Change anything.

USD 20USD 2,000
0%15%
1.50% Charged to the merchant on full transaction value, not deducted from your commission.
Points
Cash

10025,00050,000
Your Program receives, per order
USD 17.00
USD 1.0m a year at 5,000 orders/month
Points plus cash

Settlement waterfall

Deducted at basket settlement, not invoiced separately.

Basket value
Funded USD 80.00 in Points, USD 120.00 by card
 USD 200.00
Your Program commission
8.5% on full transaction value
 − USD 17.00
Pointspay network fee
1.50% on full transaction value
 − USD 3.00
Net to the merchant* USD 180.00

* Before the merchant's own payment processing cost, which they carry on every transaction today.

Points issued to the member
Accrues on the full basket, including the Points-funded portion
1,700 Points
Where the basket goes
Net to the merchant Your Program commission Pointspay network fee

Merchant's effective cost 10.00% is the commission plus the network fee, measured against the full basket. The commission is what funds the Points the member earns, so the merchant is paying for demonstrated incremental demand, not for advertising.

Commission sensitivity

Same basket, same funding split, at 5%, 8.5% and 10% commission. The highlighted card follows the slider.

Your Program keeps 100% of whatever rate it agrees

The rate is agreed per merchant. Level of commitment, size of the member base, promotional support and merchant type all move it, whether the merchant came from your portfolio or from ours.

250+merchants live on the network
$1.5bnaddressable merchant turnover
185brands named below, live and in discussion
3 | Cash-in · the network

Where members can already spend their Points.

Merchants funding commission on the network today, before you transfer a single partner of your own.

Live on the network

In discussion

Listed A to Z. The network is updated continuously, so this is the position as at 1 September 2026.

In short

Connect, control, cash-in.

One connection into a fast-growing merchant network, where Your Program keeps every commercial control and Pointspay carries the operations.

1 · Connect

Instant Points transactions through direct integrations

  • One Program API, ours or yours
  • Currency and data on the same connection
  • Transfer your existing partners; we run them
  • Every merchant on the network, live from launch

2 · Control

We secure operations. You drive commercials.

  • Your markets, merchants and channels
  • Your Points sales and redemption prices
  • Your payment brand and member data
  • Contracting, reconciliation and SLAs are ours

3 · Cash-in

Merchants share revenue with you and your members

  • Merchant-funded commission on every order
  • You retain 100%, on every merchant
  • Merchant-funded campaigns and offers
  • Lower cost per Point, lower Points liability
Results

Live partnerships, driving results that matter.

Four patterns hold across published case studies in different categories and markets: baskets get bigger, customers are new, cash revenue holds, and campaigns amplify.

+44%
Average basket size
+12%
Conversion rate
+17%
New customers
+27%
Return rate reduction
+23%
Repeat purchases
Samsung
Etihad GuestPay
Premium electronics · UAE · 10 months live
2ndBest-performing GuestPay merchant by GMV
+59%GMV surge in a campaign month
90%From first-time GuestPay users

Cash + miles lowered the barrier on a high-ticket category.

Case study, April 2026

Boozt
SAS EuroBonus Checkout
Nordic department store · first months live
+14%Increase in average order value
+50%Weekly average sales growth
70%Redeeming points for the first time

Baskets grew while members still paid mostly in cash. Value added, not substituted.

Case study, February 2026

OFM.
Flying Blue+
Premium menswear · Netherlands · first year
+44%Increase in average basket value
30%Shoppers were new customers
50%Newsletter open rate on the offer

Existing customers spent above their usual basket too. Six-figure revenue in year one.

Case study, January 2025

Travelbags
Flying Blue+
Luggage and travel · Netherlands · first year
+44%Increase in average basket value
+74%Order growth against Q1
50%Email open rate on the campaign

Krijn, Marketing Manager: "Extra sales and extra traffic to the website".

Case study, January 2025

Kolet
Flying Blue+
Travel eSIM · 190+ countries · award-winning
100 milesEarned instantly per €10 spent
In-appEmbedded via API, no app switching
Post-bookingPlaced in Air France–KLM comms

Embedded in Air France–KLM's post-booking flow: before, during and after each trip.

Case study, February 2026

What repeats across the network

Four patterns holding across five published case studies, in different categories and markets.

+14% to +44%Baskets get bigger Basket uplift recorded at Boozt, OFM. and Travelbags: department store, menswear and luggage alike.
30% to 90%Customers are new New customers at OFM., first-time GuestPay users at Samsung, and 42% of Boozt members had never earned points shopping before.
44%Cash revenue holds Samsung transactions part-paid with cash + miles rather than fully redeemed. Boozt members spent more while still paying mostly in cash.
+59% / +74%Campaigns amplify Samsung GMV in a campaign month, and Travelbags order growth against Q1. Program channels carry the promotion, with 50% open rates at OFM. and Travelbags.

As reported by merchants on the Pointspay network.

Proposition

More revenue, less cost, happy members.

The commercial case and the member case point the same way, which is what makes this straightforward to launch internally.

More revenue

Top line

  • More sales: instant collect, no cookies required
  • More partners, without more integrations
  • More data and sharper member insight
  • More marketing reach on high-basket orders
  • More member engagement between redemptions

Less cost

Bottom line

  • No partner integrations or maintenance
  • No partner management: legal, settlement, disputes
  • Lower cost per Point on redemption
  • Lower Points liability on the balance sheet
  • Tech and ops capacity back on your roadmap

Happy members

What members actually feel

  • A great, familiar checkout experience
  • Reach a reward faster
  • Shop with "free money"
  • Double-dip on every order
  • Collect Points every day, instantly

Ready to make Your Program spendable everywhere?

The quickest way through the numbers is a conversation. Bring your own assumptions and we will run them against the models on this page.

Book a meeting