> ## Documentation Index
> Fetch the complete documentation index at: https://docs.paylead.fr/llms.txt
> Use this file to discover all available pages before exploring further.

# Loyalty journey

> Program × Product Manager: how the Loyalty domain links bank and loyalty accounts for Automatic Earn.

<Warning>
  **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](/glossary#perks) flow is the one the Paylead APIs implement today.
</Warning>

[Loyalty](/glossary#loyalty) is the second domain of the Paylead [Embedded Loyalty](/program/user-journey/what-is-paylead) platform. Where [Perks](/glossary#perks) helps [Consumers](/glossary#consumer) save money on purchases, Loyalty centralizes and activates retailer loyalty inside the banking experience.

<Note>
  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).
</Note>

## 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](/program/user-journey/concepts/web-app) handling richer flows. Complex flows such as Loyalty account creation or Brand Hubs are only available in Paylead's WebApp.

## The journey

Like Perks, Loyalty sits on the shared [platform foundation](/program/user-journey/overview#the-platform-foundation): the [Consumer](/glossary#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.

<Steps>
  <Step title="Opt in to the Loyalty service">
    From the bank app, the Consumer joins the Loyalty service. Opting in runs inside the Paylead [WebApp](/program/user-journey/concepts/web-app) and is reduced to accepting the Program's terms.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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](/program/user-journey/concepts/web-app).

    To reduce friction, Paylead can pre-fill the form through [Frictionless account creation](#frictionless-account-creation).
  </Step>

  <Step title="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.
  </Step>

  <Step title="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.
  </Step>

  <Step title="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](/program/user-journey/concepts/web-app).
  </Step>
</Steps>

## 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.

<Note>
  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.
</Note>

<Note>
  Pre-filled does not mean locked: the Consumer can review and edit any personal information before validating.
</Note>

## The WebApp is required

The Paylead [WebApp](/program/user-journey/concepts/web-app) is **mandatory** on the loyalty account **creation and connection** journey. The bank delegates these flows to the WebApp rather than building them natively.

## 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.

## 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.

## What's next

<CardGroup cols={2}>
  <Card title="Webhooks" icon="zap" href="/program/user-journey/concepts/webhooks">
    Event notifications Paylead pushes to your endpoints.
  </Card>

  <Card title="Promote your program" icon="megaphone" href="/program/user-journey/guides/promote-program">
    Drive enrollment and engagement across your Consumer base.
  </Card>
</CardGroup>