Loyalty at the terminal
The card is the program.
No app, no sign-up. Declarative rules — every Nth visit, every €X spent — evaluated per card, live within seconds.
Loyalty · Promotions · Referrals — native to payments
Card-linked loyalty and promotions, inside the payment.
Turn every payment into repeat revenue.
Paybyrd Engage is a loyalty, promotions and partner-referral layer that decides every reward against the verified payment, with hard budget ceilings and automated partner payouts, on the payment rails a merchant already runs.
Engage builds loyalty, promotions and partner referrals directly into the Paybyrd rails you already run on. No new vendor. No new integration. No development work.
- Runs on existing integrations
- Hard budget ceilings
- Live in minutes
Simulated · illustrative
Running on the same rails trusted by
Loyalty tools sit beside the payment. Engage sits inside it.
Every reward is decided against the real transaction — its amount, market, method and card brand. Earned on verified payments, never on clicks or claims.
- Payment-native
Verified, not self-reported
Offers qualify on the real transaction — precise and fraud-resistant by construction.
- Real-time
Decided at checkout
The payment asks which offers apply and gets an instant answer — every time.
- Automated
Settled without work
Redemption, ledger entries and partner payouts happen automatically — no manual reconciliation.
Campaigns fund discounts.
Vouchers fund growth.
Campaigns · merchant-funded
Automatic discounts with a hard budget ceiling.
Percentage or fixed-amount, targeted by market, method, card brand and spend. The campaign stops itself the moment the budget is reached.
“10% off card payments over €50 in Portugal — capped at a €20,000 budget.”
Vouchers · partner-commissioned
Referral codes that pay a tracked commission.
Unique codes tied to an influencer or affiliate — customer discount on one side, partner commission on the other, with redemption limits you set.
“SUMMER25 — 25% off for the customer, 8% to the partner, 1,000 redemptions max.”
One form, zero extra systems
The code lives inside the payment form.
Voucher and discount entry is embedded directly in your hosted checkout. No coupon engine, no affiliate platform, no reconciliation layer — the systems you'd normally stitch together simply disappear.
- Runs on your existing integration — zero development work
- Fully white-labeled — themed to match your brand, like TAP below
- Every redemption validated against a real payment
Everything, from
one screen.
Referral codes
Mint a code. Set the economics.
Customer credit on one side, tracked partner commission on the other. Attribution and monthly payouts handled automatically.
Financial control
Budgets that can't overrun.
Hard ceilings, an auditable ledger, atomic redemption. A campaign stops itself at its budget — no overspend, ever.
Granular by default Your payment data is already here.
Your payment data is already here.
So is the targeting.
Because every payment already flows through Paybyrd, Engage inherits the full picture and acts on any slice of it. Marketing teams launch offers immediately — no data pipeline, no engineering ticket.
- Markets
Run an offer in one market only, without touching the rest.
- Customers
Target frequent flyers, first-time bookers, or lapsed travelers.
- Tickets
Scope to route, cabin class, fare type, or minimum spend.
- A/B tests
Ad-hoc campaigns — capped, measured, stopped on demand.
Six differences that compound.
| Dimension | Traditional tools | Paybyrd Engage |
|---|---|---|
| Trigger | Clicks, sign-ups, self-reported activity | Verified payment transactions |
| Timing | Batch, after the fact | Real time, at checkout |
| Budget control | Manual monitoring | Automatic ceiling, auto-stop |
| Referral payouts | Separate affiliate tool + manual reconciliation | Built-in ledger + automated SEPA settlement |
| Integration | Standalone silo | Native to the payment flow |
| Data | Fragmented across tools | Transaction-level, unified |
What merchants typically move.
- Repeat-purchase rate
- +20–40%
- among reward-program participants · redemptions per customer per period
- Checkout conversion
- +5–10%
- from relevant offers at the moment of payment · offer-to-payment rate
- Budget overruns
- 0
- ceilings enforced automatically · utilization vs. ceiling, never exceeded
Growth figures are industry-typical ranges — merchant targets, not guaranteed outcomes.
Questions
The questions merchants ask before a pilot.
Who funds the discount?
Campaigns are merchant-funded: you set the discount and a hard budget ceiling, and the campaign stops itself when the ceiling is reached. Vouchers are partner-commissioned: the customer discount and the partner's commission are set per code.
Does Engage need a new integration?
No. It runs on the Paybyrd integration you already have. Voucher and discount entry is embedded in the hosted checkout, and loyalty rules run at the terminal, so there is no coupon engine or affiliate platform to connect.
Can a partner referral be paid out automatically?
Yes. Every redemption is validated against a real payment, the commission is written to an auditable ledger, and partners receive a SEPA statement and payout every month without manual reconciliation.
Is there a budget cap per campaign?
Every campaign has a hard ceiling. Redemption is atomic, so a campaign cannot overspend, and a customer cannot redeem the same offer twice.
How fast is a change live?
A loyalty rule or campaign edited in the dashboard is live within seconds, and the first pilot is scoped to one program with one ceiling so results can be read at the transaction level.
Start with one program. Cap it. Measure it.
Launch a loyalty rule, a campaign or a referral code on your existing Paybyrd rails — with a hard budget ceiling and transaction-level results from day one.