Loyalty

PPaaS offers the Card-linked-offer (CLO) program, which is referred to as a merchant offer, to acquirers and ISVs for their merchants. CLO has evolved beyond couponing and loyalty cards in recent years. During customer payment using cards or APMs, CLO automatically recognizes the in-store and online customer by detecting the CLO loyalty membership and notifying the loyalty provider. This allows the customers to use existing loyalty program rewards, avail discount programs, accumulate reward points, use value-based programs by merchants, earn gift cards, earn cashbacks, or earn more rewards by shopping.

All the transactions in the stores of a merchant that subscribes to the CLO program are tokenized. During payment flow, PPaaS detects the membership by performing a tokenization of the credit/debit card PAN; the result is matched with a token database containing all the cards that belong to the customer member of the CLO program. Also, the resulting token is used as a CRM token to identify the customer.

During the payment flow, if the customer is not identified with any linked CLO, PPaaS supports customer enrollment to allow the merchant to attract more members to the loyalty program.

The transaction report flags the detected loyalty provider and the associated token. This token is pushed instantly to this loyalty provider. Now the loyalty provider notifies the customer immediately by sending a notification to the registered mobile number, which represents a strong added value for the loyalty program.

Loyalty CLO services include the following functions: 

Ensure that you have completed the following prerequisites for loyalty service:

PPaaS supports customer enrollment to CLO service through the following ways:

PPaaS offers merchants who subscribe to the loyalty service to enroll a customer seamlessly from a payment device after the payment transaction. During the customer enrollment process, the customer’s phone number or e-mail will be asked along with their consent to the data usage. For further information on our data privacy policy, please visit our PPaaS data privacy policy.

Overall flow for customer enrollment via payment device

Customer enrollment via a payment device

PPaaS offers flexibility to enroll customers via our loyalty partner platform. The customer's information will be sent from our partner to PPaaS and registered as part of the loyalty membership. The customer’s card will be tokenized and used only for communication between PPaaS and our loyalty partner during the customer recognition process. For further information regarding the PPaaS card tokenization service, refer to the tokenization service section.

Customer enrollment refusal functionality provides an improvement to the customer experience in-store. Once the customer rejects enrolling in the loyalty program, the enrollment invitation journey will not be presented through a payment device for a certain duration. Once the rejection time has passed or there is a new loyalty program created, the enrollment invitation journey will be presented to the same cardholder via the payment device again. Please note that the refusal duration is configurable on the loyalty service provider platform.

For further information regarding the PPaaS card tokenization service, refer to the tokenization service section.

Subsequently, after the customer recognition process, the enrolled customer transaction will be sent to our loyalty service provider to validate the reward eligibility and calculate the reward earning. After that, the customer will directly receive the reward-earning notification if the purchase transaction was eligible for any loyalty program.

PPaaS clients can configure the settings of the loyalty service intended to enhance their customer experience through a payment device. The customization in-store parameters focus on the user journey displayed on the payment device. The following table lists the configuration fields, most of the fields are toggle fields that the client can decide to activate or deactivate as required.