Solutions
LivePay with Points
Points redemption offered at the moment of the purchase — not weeks later, in a catalogue nobody visits.
The problem
Points that never get redeemed are not loyalty. They are debt.
Most redemption sits behind a separate catalogue experience the cardholder has to remember to go and find. The result is a balance-sheet liability that keeps growing and a benefit the cardholder never actually feels. Redemption at the point of purchase turns that liability into an experience — at the one moment the cardholder is thinking about money.
How it works
Recognised, offered, reconciled.
Recognised at authorization
The platform sees the qualifying purchase as it happens and evaluates the cardholder's available balance against it.
Offered in the moment
The redemption option reaches the cardholder immediately, attached to a purchase they just made and can still picture.
Applied and reconciled
Redemption is applied against the programme and reconciled back to the issuer's points ledger, event by event.
What it delivers
Liability turned into loyalty.
Who it is for
Issuers carrying material unredeemed points liability, or running a loyalty programme whose redemption rates do not justify its cost.
- Higher redemption against existing points balances
- Reduced outstanding points liability
- A benefit the cardholder experiences at the moment of spend
- Full reconciliation back to the loyalty ledger
Other solutions
- Cardholder Lifecycle MarketingReal-time activation, reactivation, retention and upsell — triggered by what cardholders actually buy.
- Funded OffersMerchant-funded cashback, rewards and incentives, settled against verified spend.
- Advanced AdvertisingCross-bank CPM placements and CPA campaigns, priced against verified spend.
- Real-time Marketing IntelligenceEvery transaction and cardholder analyzed to generate live performance intelligence.
See it running against your own portfolio.
The fastest way to evaluate this is a scoped pilot on a segment you already worry about.