AmpliFI Loyalty Solutions

What AmpliFI Loyalty Solutions does

AmpliFI Loyalty Solutions is a privately held financial technology company that provides an end-to-end loyalty and cardholder engagement platform to banks and credit unions in the United States. The company was established in 2018 when CEO Mike Knoop orchestrated the carve-out of Augeo FI, which rebranded to AmpliFI; the business traces its domain expertise to over 25 years of operating history in the FI loyalty space. Its platform centers on four core product modules — Real-Time Rewards (point-of-sale redemption via Pay With Points, Checkout With Points, and Fuel With Points), L.E.A.P. (analytics and benchmarking across 30+ KPIs with machine learning-based campaign optimization), AMP (a program management portal with SSO, audit trails, and real-time visibility), and Merchant-Funded Offers (access to approximately 25,000 merchant-funded offers across 9,000+ national brands) — supplemented by engagement tools covering custom branding, portfolio insights, customized earning/redemption rules, and omnichannel integration.

The company sells through a direct enterprise field sales motion targeting C-level executives at financial institutions, supported by inside sales and an EVP-level partnerships function, and operates multi-year subscription contracts priced to portfolio size and feature scope. Its go-to-market is augmented by strategic ecosystem relationships, most notably powering the Visa Rewards Platform and serving as the strategic loyalty partner to credit union processors Velera and Member Access Processing; additional integrations cover all major card processors, core banking platforms, and online/mobile banking providers.

Revenue mechanics are subscription-based with multi-year commitments, and the customer base spans community and regional banks plus credit unions across multiple sizes — including named clients such as Redstone Federal Credit Union (480,000+ members), Bank of Greene County, TransFund, Affinity Plus Federal Credit Union, Honda Federal Credit Union, TruWest Credit Union, First Bank, and Sutton Bank. The firm is owned by Lightyear Capital following an April 2024 single-asset continuation vehicle transaction, is headquartered in Naperville, Illinois, and had approximately 30-50 employees including a deep bench of VPs and CXOs covering technology, product, engineering, data, client success, sales, marketing, risk, and finance functions.

Name

AmpliFI Loyalty Solutions

Legal name

ampliFI Loyalty Solutions, LLC

Website

https://www.amplifiloyalty.com/

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

11–50 employees

Short description

AmpliFI Loyalty Solutions provides an end-to-end loyalty and cardholder engagement platform — featuring real-time point-of-sale rewards, analytics benchmarking, and merchant-funded offers — to banks and credit unions across the United States.

Ownership category

akta.pro rank

Product category

Loyalty and Cardholder Engagement Software for Financial Institutions

NAICS

Software Publishers (5132), Custom Computer Programming Services (541511)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Loyalty, Rewards & Retention Platforms (BPAFAFAH)

akta.pro secondary industries

Rewards & Loyalty Credit Cards (FSAKABAH), Loyalty, Rewards & Incentive Programs (BPAFAMAE)

Keywords

• Cardholder loyalty software
• Bank rewards platforms
• Credit union engagement
• Real-time points redemption
• Financial institution loyalty

Headquarters

HQ city

Naperville

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Loyalty Platform Subscription: Subscription-based loyalty platform providing banks and credit unions with loyalty program infrastructure, management tools, and analytics. Clients pay for platform access and ongoing program management services.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

AmpliFI Loyalty Solutions sells a subscription-based loyalty and cardholder engagement software platform to banks and credit unions in the United States. The platform combines real-time point-of-sale redemption technology, peer-benchmarking analytics, a program management portal, and a merchant-funded offers network to help financial institutions grow debit and credit card usage, extend cardholder lifetime value, and compete with national card issuers. Clients contract multi-year enterprise agreements with custom pricing tied to portfolio size and program requirements.

Product overview

AmpliFI Loyalty Solutions provides an integrative loyalty platform for banks and credit unions with four core products: Real-Time Rewards (enabling point redemption at point-of-sale and post-transaction via Pay With Points, Checkout With Points, and Fuel With Points), L.E.A.P. (analytics and benchmarking platform with peer comparison and machine learning-powered campaign optimization), AMP (program management portal with real-time visibility and security features), and Merchant-Funded Offers (access to nearly 25,000 merchant-funded bonus point opportunities). These core products are supplemented by engagement tools including Full-Service Marketing & Support (custom-branded websites and campaign management), Portfolio Insights & Data Analytics (behavior modeling and performance monitoring), Customized Earning & Redemption Offerings (point parameter customization and diverse redemption options), and Modernize Technology (omnichannel integration across processors, banking platforms, and merchant networks).

Differentiator

Problem solved

Functional benefit

Brands

• L.E.A.P. (Loyalty Engagement ampliFIcation Platform): A cardholder loyalty analytics platform that provides peer benchmarking and trend data to optimize loyalty programs.
• AMP (ampliFI Management Portal)
• Real-Time Rewards
• Merchant-Funded Offers
• Full-Service Marketing & Support

Products and services

• Real-Time Rewards Real-Time Rewards is ampliFI's point-of-sale and post-transaction redemption product for cardholder loyalty programs at banks and credit unions. It includes Pay With Points (statement credits triggered via text or email), Checkout With Points (terminal-based prompts with automatic discounts), and Fuel With Points (at-the-pump redemption). The product is sold to financial institutions as part of ampliFI's loyalty platform subscription.
• L.E.A.P. (Loyalty Engagement ampliFIcation Platform) L.E.A.P. is ampliFI's cardholder loyalty analytics and benchmarking platform for bank and credit-union loyalty programs. It provides peer and industry benchmarking across up to 30 KPIs, portfolio analysis, data-driven campaign strategy recommendations, lifecycle campaign management, and performance monitoring, using machine learning to improve campaign configuration.
• AMP (ampliFI Management Portal) AMP is the program management dashboard and administrative portal sold as part of ampliFI's loyalty platform. It gives financial institutions real-time visibility into program setup, aggregate data access, performance reporting, cardholder servicing tools, and administrative features including SSO, audit trails, and multifactor authentication.
• Merchant-Funded Offers Merchant-Funded Offers is an ampliFI-sold offering that gives bank and credit-union cardholders access to a network of nearly 25,000 merchant-funded bonus-point opportunities with national and local brand-name merchants. Offerings include evergreen, activated, and item-level offers with up to 10x bonus points and seasonal specials.
• Full-Service Marketing & Support Full-Service Marketing & Support is ampliFI's custom-branded website and marketing engagement service for bank and credit-union loyalty programs. It delivers responsive, ADA-compliant loyalty websites with a marketing portal for campaign creation and customization, marketing consultation, cardholder outreach, and integration with omnichannel touchpoints.
• Portfolio Insights & Data Analytics Portfolio Insights & Data Analytics is an ampliFI analytics engine sold to financial institutions to support loyalty marketing decisions. It provides modeling for campaign targeting, segmentation, promotion setup, performance monitoring, campaign fulfillment integration, and detailed reporting on portfolio trends and cardholder data.
• Customized Earning & Redemption Offerings Customized Earning & Redemption Offerings is ampliFI's configurable loyalty-economy service for bank and credit-union programs. It enables custom point parameters, earning levels by product or sub-product, expiration rules, earning caps, and diverse redemption options including gift cards, travel, merchandise, cash back, and real-time alerts.
• Modernize Technology Integration Services Modernize Technology is ampliFI's omnichannel integration service for bank and credit-union loyalty programs. It connects the ampliFI platform with mobile banking providers, major card processors, core finance platforms, and merchant networks across web, mobile, and point-of-sale channels to enable flexible program delivery.

Quantifiable outcome

• 2x transaction rate improvement demonstrated in case study with credit card processor client
• +5 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Three partnerships are on record, tiered core.

• VeleracoreStrategic or Co-development Partner · 28 October 2025AmpliFI and Velera announced extension of their strategic partnership in October 2025. Velera is a payments services provider for credit unions.
• VisacoreStrategic or Co-development Partner · 2 October 2025AmpliFI renewed its role powering the Visa Rewards Platform in October 2025. AmpliFI serves as the loyalty solution provider integrated with Visa's payment network and rewards ecosystem.
• Member Access Processing (MAP)coreStrategic or Co-development Partner · 6 August 2025AmpliFI renewed its strategic partnership with Member Access Processing (MAP) in August 2025. MAP provides payment processing services for credit unions.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Paytronix: Paytronix is a loyalty and engagement platform primarily serving restaurants but also extending into broader card-linked and merchant-funded offers—directly comparable to AmpliFI's merchant-funded offers and analytics capabilities.
• Punchh: Punchh operates a SaaS loyalty and digital engagement platform for physical retail and restaurant chains, comparable in its API-driven architecture, real-time rewards focus, and merchant-funded offer network.
• SessionM (Mastercard): SessionM is Mastercard's loyalty management platform for financial institutions and merchants, directly overlapping AmpliFI's FI-targeted loyalty platform, real-time rewards, and engagement analytics.
• Cardlytics: Cardlytics operates a card-linked advertising and rewards platform inside financial institution digital banking channels—comparable to AmpliFI's merchant-funded offers, analytics, and FI-embedded distribution model.
• Eagle Eye Solutions: Eagle Eye is a digital loyalty and promotions platform used by grocers and retailers, with a comparable API-based, real-time issuance and redemption model similar to AmpliFI's L.E.A.P. and AMP infrastructure.
• Yotpo: Yotpo provides a loyalty and retention platform (Yotpo Loyalty) with merchant-funded offers, segmentation, and analytics—comparable in its SaaS loyalty stack and tiered merchant offering structure.
• Kobie Marketing: Kobie Marketing is a loyalty strategy, technology, and program management firm with deep FI experience (including credit unions and community banks)—directly comparable to AmpliFI's full-service loyalty platform and marketing services offering.

Broad incumbents

• FIS (Fidelity National Information Services): FIS is a large financial technology and processing incumbent that offers loyalty and rewards solutions as part of its broader card services and core banking portfolio—overlapping AmpliFI's FI-targeted offerings but as part of a much wider stack.
• Fiserv: Fiserv is a major payments and financial technology incumbent with rewards, gift card, and processing capabilities (including the Clover and Carat ecosystems), competing with AmpliFI at large financial institutions as a bundled platform alternative.

Emerging players

• Blackhawk Network: Blackhawk Network provides gift cards, prepaid, and integrated reward/loyalty solutions, including branded pay and content networks—comparable to AmpliFI's merchant-funded offers and customized redemption catalog.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/amplifiloyalty

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds3 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about AmpliFI Loyalty Solutions