PointCheckout
PointCheckout is a Dubai-based fintech (founded 2017) that provides a payment gateway enabling consumers to pay online merchants using loyalty points and miles, serving merchants, loyalty programs, and end shoppers across the Middle East.
- Company typePrivate
- Founded2017
- HeadquartersDubai, United Arab Emirates
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What PointCheckout does
PointCheckout is a Dubai-headquartered fintech founded in 2017 that operates an online payment gateway allowing consumers to settle e-commerce purchases using accumulated loyalty points and miles from banks, telecoms, and airlines. The platform serves three audiences simultaneously: online merchants that want to accept points-based payments, loyalty program operators seeking to broaden their redemption network, and end consumers who want to spend points at general e-commerce merchants rather than restricted reward catalogs. Technical assets include a REST checkout API with separate test and production environments, a native Swift iOS SDK distributed via CocoaPods, QR code payment generation, and pre-built plugins for Magento, OpenCart, WooCommerce, Drupal Commerce, and nopCommerce. The platform supports points-only transactions, points-plus-cash combinations, and complementary payment rails such as Apple Pay, Google Pay, PayPal, and major card networks.
PointCheckout firmographics
Firmographics- Name
- PointCheckout
- Legal name
- PointCheckout Holding Company Ltd
- Website
- https://pointcheckout.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- PointCheckout is a Dubai-based fintech (founded 2017) that provides a payment gateway enabling consumers to pay online merchants using loyalty points and miles, serving merchants, loyalty programs, and end shoppers across the Middle East.
- Ownership category
- akta.pro rank
PointCheckout industry classification
Industry- Product category
- Loyalty Payments Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Loyalty, Points Currency & Stored Value Payments (THALAHAK)
- akta.pro secondary industries
- Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH), Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA), In-App / Online Checkout Wallets (FSAMAEAH), Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB)
Keywords
Where PointCheckout is headquartered
LocationHeadquarters
- HQ city
- Dubai
- HQ country
- United Arab Emirates
- HQ region
- Middle East
Offices2 records
Markets served
PointCheckout business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Payment Processing Fees: PointCheckout charges merchants transaction fees for processing payments. Merchants receive payments directly without dealing with individual reward programs, and PointCheckout takes a cut of each transaction processed through the platform.
- Points Conversion Services: Revenue generated from converting loyalty points into cash payments for merchants. The conversion ratio is determined by the loyalty program and PointCheckout, with the platform taking a fee for the currency conversion service.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Contact sales for custom pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels4 records
PointCheckout product offering
Product offeringCore offering
PointCheckout operates an online payment platform that enables consumers to pay for e-commerce purchases using accumulated loyalty points and miles from banks, telecoms, and airlines. Merchants integrate the platform via API, iOS SDK, or shopping cart plugins to accept points-based payments, while loyalty program operators gain access to thousands of online redemption partners through a single integration. The platform supports both points-only and hybrid points-plus-cash transactions.
Product overview
PointCheckout operates as a unified payment platform with three core offerings: a consumer-facing product enabling shoppers to pay with reward points and miles at online merchants; a merchant services product allowing online stores to accept point-based payments; and a reward program integration service for loyalty operators. The platform is complemented by developer tools including a REST API and iOS SDK. The ecosystem connects loyalty program members with merchants through a single integration, supporting both pure points payments and hybrid points-plus-cash transactions.
Differentiator
Problem solved
Functional benefit
Products and services
- PointCheckout Shopper Consumer-facing platform allowing shoppers to pay with accumulated reward points and miles at participating online merchants, with options to link loyalty programs and combine points with cash payments.
- PointCheckout Merchant Services Payment gateway solution for online merchants that enables them to accept loyalty reward points as a payment method, providing access to over one million customers from reward programs with integrations to popular e-commerce platforms.
- PointCheckout Reward Program Integration Partnership solution for loyalty program operators such as banks, telecoms, and airlines, allowing them to offer members redemption at thousands of online merchants worldwide with analytics on redemption patterns and customer behavior.
- PointCheckout REST API REST API enabling merchants to integrate PointCheckout payment processing into their own shopping carts and order management systems, supporting checkout creation, payment processing, status retrieval, and multi-payment method configuration.
- PointCheckout iOS SDK Native iOS SDK in Swift for merchants to integrate PointCheckout payment functionality into their iOS applications, including checkout request handling and payment submission via a modal interface.
Quantifiable outcome
- 100+ online stores accepting reward points payments
- +3 more outcomes
Companies that use PointCheckout
Customer profileNamed customers8 records
Segments3 records
Ideal customer profiles2 records
PointCheckout technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration12 records
Feature5 records
PointCheckout partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and supporting.
- MagentocorePointCheckout offers a pre-built plugin integration for Magento e-commerce platform, allowing Magento merchants to easily add reward points payment options to their checkout without custom development.
- OpenCartcorePointCheckout provides a plugin integration for OpenCart shopping cart platform, enabling OpenCart merchants to accept reward points payments.
- WooCommercecorePointCheckout plugin integration for WooCommerce (WordPress) enabling WordPress-based online stores to accept reward points payments.
- Drupal CommercecorePointCheckout offers integration with Drupal Commerce platform for merchants using Drupal-based e-commerce solutions.
- nopCommercecorePointCheckout provides plugin integration for nopCommerce platform, allowing merchants on this ASP.NET e-commerce solution to accept reward points.
- Apple PaysupportingPointCheckout payment processing supports Apple Pay as one of the payment methods available alongside reward points payments.
- Google PaysupportingPointCheckout supports Google Pay as a payment method in addition to reward points payments on the platform.
- PayPalsupportingPointCheckout integrates PayPal as an additional payment method supported on the platform alongside reward points payments.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
PointCheckout competitors and assessment
Company assessmentDirect peers
- Points (GetPoints): Canadian platform that enables consumers to pay online using credit card reward points at participating merchants. Closest direct functional peer to PointCheckout, with a similar aggregator model connecting loyalty programs and merchants.
- PointsPay: Loyalty points payment gateway allowing program members to spend points at online merchants. Operates in adjacent geographies and offers a directly comparable points-as-payment product.
Emerging players
- Paymennt: Emerging MENA payment provider sharing email domains and operational footprint with PointCheckout (e.g., [email protected]). Likely an affiliated or sister entity within the same parent group, operating a complementary online checkout product in the same region.
- ShopBack: Cashback and rewards shopping platform operating across APAC. Adjacent rather than direct — uses post-purchase cashback as the rewards mechanic — but competes for the same loyalty-driven consumer shopping behavior and merchant acquisition budgets.
- AwardWallet: Aggregator and tracking service for loyalty points and miles across airlines, hotels, and credit cards. Targets the same consumer base (loyalty-point holders) but on the portfolio-management side rather than at the point of payment.
Broad incumbents
- Network International: Largest payments processor in MENA, offering merchant acquiring, payment gateways, and processing across the region. Provides overlapping payment infrastructure and competes for the same MENA merchants, though not specialized in loyalty points.
- PayTabs: MENA-headquartered payment gateway and processor serving online merchants across the region and globally. Competes for the same online merchant base with broader card and APM support, but without loyalty-points specialization.
- Tabby: MENA-leading BNPL and consumer payments platform that competes at the checkout layer for MENA merchants. Different mechanism (installments vs. loyalty points) but overlapping merchant target and checkout real-estate.
Regional players
- Telr: UAE-based online payment gateway serving merchants across MENA and Southeast Asia. Competes with PointCheckout for the same regional SMB and mid-market merchants with a broader payment-method set.
- Cashrewards: Australian cashback shopping platform that connects consumers, merchants, and bank loyalty programs. Functionally similar aggregator model but focused on cashback rather than direct points payment at checkout; serves as a regional comparability benchmark.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
PointCheckout social profiles
Digital presencePointCheckout compliance and trust
Trust signalCompliance3 records
PointCheckout financial estimates
Financial estimateRevenue estimate
Valuation estimate
PointCheckout leadership team
Management profileNumber of profiles
Profiles2 records
PointCheckout subsidiaries and ownership
Company hierarchySubsidiaries2 records
PointCheckout funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PointCheckout M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PointCheckout
What does PointCheckout do?
PointCheckout operates an online payment platform that enables consumers to pay for e-commerce purchases using accumulated loyalty points and miles from banks, telecoms, and airlines. Merchants integrate the platform via API, iOS SDK, or shopping cart plugins to accept points-based payments, while loyalty program operators gain access to thousands of online redemption partners through a single integration. The platform supports both points-only and hybrid points-plus-cash transactions.
Is PointCheckout a public or private company?
PointCheckout is a private company. It is classified as venture growth investor backed and is currently operating.
When was PointCheckout founded?
PointCheckout was founded in 2017. It employs 11 to 50 people.
Where is PointCheckout based?
PointCheckout is headquartered in Dubai, United Arab Emirates, in the Middle East region.
How does PointCheckout make money?
Two revenue lines are on record. Payment Processing Fees are the primary driver. The others are points Conversion Services.
Who are PointCheckout's main competitors?
Direct peers on record are Points (GetPoints) and PointsPay. Emerging players are Paymennt, ShopBack and AwardWallet. Broad incumbents are Network International, PayTabs and Tabby. Regional players are Telr and Cashrewards.
Does PointCheckout have an API?
Yes. PointCheckout offers a REST API for merchant integration. The API allows merchants with their own shopping and order processing systems to integrate with PointCheckout for payments. Key API endpoints include New Checkout Request (POST /mer/v1.2/checkouts) and Get Checkout Request. The API uses header-based authentication with X-PointCheckout-Api-Key and X-PointCheckout-Api-Secret. Supports Test and Production environments with Base URLs api.test.pointcheckout.com and api.pointcheckout.com respectively. Features include configurable payment methods, QR code generation, customer email/SMS notifications, and multi-language payment page support. Developer documentation is at www.pointcheckout.com/en/developers/api/api-integration.
What industry is PointCheckout in?
PointCheckout's product category is Loyalty Payments Platform. Its primary akta.pro industry code is THALAHAK, Loyalty, Points Currency & Stored Value Payments, with a secondary code of BPAMAGAH, Price Comparison, Deals, Cashback & Loyalty Shopping Platforms. Its NAICS code is 52232 and its SIC code is 6199.