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Integration not yet documented. This page describes the Loyalty domain at a conceptual level. The integration guides (onboarding, account creation, Automatic Earn) are not published yet; contact the Paylead teams to scope a Loyalty integration. The Perks flow is the one the Paylead APIs implement today.
Loyalty is the second domain of the Paylead Embedded Loyalty platform. Where Perks helps Consumers save money on purchases, Loyalty centralizes and activates retailer loyalty inside the banking experience.
The Loyalty domain is still under development, so public documentation is not available yet. Please ask your dedicated Customer Success manager to learn how to integrate Seamless Loyalty Card (SLC).

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Seamless Loyalty Card (SLC)

Paylead has designed Seamless Loyalty Card (SLC), allowing the Consumer to:
  • Create or link Loyalty accounts from the bank app.
  • Automatically earn Loyalty rewards by using their payment method. This is Automatic Earn: no loyalty card (or any other authentication method like a client identifier) to present at checkout. The bank card is now the authentication method on the retailer side.
  • Access information about their connected loyalty programs.
  • Where applicable, convert their points into benefits: Burn the Loyalty balance.
Most Programs mix both WebApp and API integration to create an enriched hybrid experience: native entry points for tight integration (such as the Consumer’s connected Loyalty accounts list), with the WebApp handling richer flows. Complex flows such as Loyalty account creation or Brand Hubs are only available in Paylead’s WebApp.

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The journey

Like Perks, Loyalty sits on the shared platform foundation: the Consumer is already created at the platform level and their transactions are managed there. Unlike Perks, Loyalty does not rely on transaction-analysis consent or segmentation; those are Perks-specific. On top of that foundation, the Consumer opts in to the Loyalty service.
1

Opt in to the Loyalty service

From the bank app, the Consumer joins the Loyalty service. Opting in runs inside the Paylead WebApp and is reduced to accepting the Program’s terms.
2

Loyalty programs discovery

With the Consumer opted in, available Loyalty programs are surfaced inside your bank’s Loyalty section. Loyalty programs are curated by your team through the available catalog.
3

Create or link a loyalty account

The Consumer creates a new retailer loyalty account or links an existing one (one per Brand), binding it to their bank card. This step runs inside the WebApp.To reduce friction, Paylead can pre-fill the form through Frictionless account creation.
4

Pay

The Consumer pays with their bank card as their default payment instrument at a Loyalty Program eligible point of sale. No loyalty card or other authentication method is needed at checkout.
5

Earn

Loyalty benefits accrue automatically to the linked account. This is Automatic Earn.Webhooks are available to the Program to animate and engage Consumers at the right moment, such as when a new Loyalty reward is earned.
6

Engage

The Consumer manages their loyalty account from the bank app, not from separate merchant apps.Once a Consumer has linked a loyalty account, they gain access to a dedicated Brand Hub within the bank app for each connected Loyalty program. From this space, the Consumer can check their Loyalty balance and access additional services depending on the Loyalty program’s configuration.Depending on the type of Loyalty program, Consumers have a Loyalty balance where earned Loyalty rewards accumulate. They can then Burn their Loyalty rewards by converting them to tangible merchandise or gifts. This part of the process also runs in the Paylead WebApp.

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Frictionless account creation

The Consumer is in a known context: they are already authenticated in their bank app, so the bank can pass that context to Paylead (Paylead only relays it). This lets Paylead pre-fill the loyalty account creation form. With the Consumer’s prior consent, data already known from the banking context (such as first name, email address, or postal address) is automatically populated in the WebApp registration form. When pre-filling is enabled, account creation may require nothing more than reviewing pre-populated fields and accepting the program’s terms and conditions.
This feature is optional and must be configured at the Program level. It requires a dedicated consent step to be presented to the Consumer before their banking data is used in this way. When active, pre-filled forms significantly improve enrollment conversion rates and the quality of data received by the Merchant.
Pre-filled does not mean locked: the Consumer can review and edit any personal information before validating.

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The WebApp is required

The Paylead WebApp is mandatory on the loyalty account creation and connection journey. The bank delegates these flows to the WebApp rather than building them natively.

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What Loyalty drives for the bank

  • Differentiation: the banking experience tied to real-life brands.
  • Stronger top-of-wallet behavior: Automatic Earn rewards paying with the bank card.
  • Higher engagement in a loyalty hub Consumers can use daily.

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Why Perks and Loyalty stay separate

Perks and Loyalty are both loyalty, but not the same product:
  • Perks is primarily a savings engine: immediate, monetary, easy to grasp.
  • Loyalty is primarily a relationship engine: accounts, brands, ongoing engagement.
Keeping them distinct lets a Program design clearer UX, measure each funnel separately, and roll out progressively.

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What’s next

Webhooks

Event notifications Paylead pushes to your endpoints.

Promote your program

Drive enrollment and engagement across your Consumer base.