Consolidate every source of value into one wallet.

Paywith’s Programmable Wallet connects multiple funding accounts, loyalty rewards and promotional balances into one intelligent wallet, giving loyalty programs control over which accounts to draw from.

What it does

• Connects multiple funding accounts, cards and sources of value.
• Brings together loyalty points, rewards and promotional balances.
• Controls what value is available to each customer based on program rules.

How it works

1. 01Integrates into an existing wallet or powers a new branded wallet.
2. 02Connects funding accounts, loyalty balances and promotional value.
3. 03Determines what value is available to each customer for use at payment.

Value for your customers

• Access multiple sources of funds and rewards in one place.
• Make better use of existing balances, points and promotional value.
• Enjoy a simpler, more rewarding payment experience.

Value for your business

• Launch a programmable wallet without building the underlying infrastructure.
• Connect multiple funding sources and loyalty capabilities through one platform.
• Control customer eligibility, available value and program rules.

The intelligence behind every transaction.

What it does

• Intelligently orchestrates how payments are processed and executed.
• Combines multiple funding sources, rewards and promotional value within a transaction.
• Connects payment providers, issuers and loyalty platforms through one orchestration layer.

How it works

1. 01Customer initiates a payment using their card or wallet.
2. 02Paywith determines which funding sources, rewards and promotional value can be applied.
3. 03Payment is executed, with the appropriate value applied and transactions reconciled.

Value for your customers

• Automatically access available rewards and promotional value.
• Combine multiple sources of value in a single payment.
• Enjoy a seamless payment experience with greater purchasing power.

Value for your business

• Launch programmable payment experiences without building complex infrastructure.
• Integrate multiple payment and loyalty capabilities through one platform.
• Increase customer engagement and maximise the value of every transaction.

Let merchants build offers for your customers.

The Merchant Portal is Paywith’s self-service merchant interface that enables merchants to onboard, participate in client programs, and create and manage promotional campaigns.

What it does

• Enables merchants to join and participate in loyalty programs.
• Gives merchants the tools to create, fund and manage their own offers.
• Provides visibility into campaign performance and customer engagement.

How it works

1. 01Merchants onboard and join participating loyalty programs.
2. 02Merchants create offers, set budgets and define campaign rules.
3. 03Paywith delivers offers and tracks campaign performance automatically.

Value for your merchants

• Easily participate in loyalty programs through one platform.
• Create targeted offers with full control over budgets and conditions.
• Track campaign performance and measure results.

Value for your business

• Build and scale a merchant-funded offers network.
• Expand customer rewards without funding incentives yourself.
• Increase member engagement and unlock new value for your members.

The intelligence behind every reward.

The Loyalty & Offers Platform is Paywith’s programmable loyalty infrastructure that enables loyalty programs the freedom to choose how they reward their customers, all through one platform.

What it does

• Gives loyalty programs access to multiple types of customer value.
• Enables programs to choose which offers and rewards to make available to members.
• Delivers all offer types through one integrated platform.

How it works

1. 01Loyalty programs select the types of offers and rewards they want to provide.
2. 02Paywith integrates the selected capabilities into their existing program.
3. 03Offers are automatically delivered based on program rules and member eligibility.

Value for your customers

• More ways to earn, save and redeem value.
• Relevant offers and rewards tailored to their needs.
• Greater value from everyday spending.

Value for your business

• Expand your loyalty offering without building new infrastructure.
• Choose and combine offer types to suit your program and members.
• Increase member engagement and unlock new merchant-funded revenue opportunities.