Payments-Led Loyalty

The loyalty program that lives in the checkout

Payments-Led Loyalty gives every customer a balance with your brand. They load money into it, earn rewards on what you choose, and spend it anywhere you sell. Accrue runs the banking underneath.

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Powered by Accrue

$30.00$36.50$38.50$41.00$44.00+$6.50+$8.50+$11.00+$14.00
PAY

Drops

Drop 14

Ivory Knit Set$215.00

Offers

Ends 24 Nov

5% backBronze Silk Blouse
HomeShopWalletCartProfile
Load cash+$6.505% on $130.00
Return+$2.005% on $40.00
Gift+$2.505% on $50.00
Purchase+$3.003% on $100.00

How it works

Load it, earn on it, spend it

Jane adds $200 to her Aster Merrow balance and gets $10 back for doing it.Balance holds the money

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$0.00Total: $0.00PAY
Offers
NewEnds 24 Nov5% backBronze Silk Blouse
NewExpires 24/11/2026Get 10% backWhite knit turtleneck

Wallet Actions

Manage CardView card & edit backup payment
TransactionsView transaction history
How Rewards WorkLearn how to maximize rewards
LOAD CASH
HomeShopWalletCartProfile

What it does for you

What it does for you

  • Customers pay you before they shop

    Money loaded into a balance is spend committed to your store.

    Balance
  • Reward what you want more of

    Purchases, loads, visits, returns to balance. You write the rules, and rewards cost nothing until they're spent with you.

    Rewards
  • One balance, every channel

    Online, in app, at the register.

    Payments
  • You know who bought, every time

    A balance is a name, not a swipe. Every purchase comes with the customer attached.

  • Keep the program you have

    It runs alongside your points, your processor, and your POS, or converts points into balance.

    Payments

Where it grows

Once the balance is there

Keep refund value with your brand

Returns become balance, plus a bonus, and the money stays with you.

Return · order #8467Patchwork Denim Jacket$100.00 · $30 balance + $70 Visa
$100.00$70 to Visa · $30 to balance5–7 business days
$103.50To their balance · +$3.50 bonusInstantly

Launch a branded debit program

The balance spends anywhere Visa is accepted.

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Visa
Hold Near Reader
DoneAster Merrow · $48.20

Add offers that pay for themselves

Partner-funded offers targeted on real purchases, paid out as balance.

Set rules

Reward
5% back
Audience
21,400 · lapsed 90d
Window
10 Oct – 24 Nov
LiveDraft
New

Bronze Silk Blouse

5% back

Ends 24 Nov

Run the drop, read the demand

Entries paid from balance, no second checkout.

Limited

Drop 144h 12m 08s

Online & in-store

Ivory Knit Set$215.00
Paid with Balance
2,140/2,880

Registered vs in stockL short by 280

XS120/400
S640/800
M800/1,000
L1,180/900
XL140/500

See a balance go from loaded to spent.

A member loading, earning, and paying from one balance, and what a launch would take for your program.