Clavaa
Clavaa operates a dual-sided US fintech and loyalty platform that combines zero-fee mobile payments with automated cashback rewards for local SMBs and their shoppers, integrating with major POS systems and selling via SMB subscriptions plus enterprise white-label licensing.
- Company typePrivate
- Founded2020
- HeadquartersLakewood, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Clavaa does
Clavaa is a US-based fintech and loyalty technology company operating a dual-sided platform that combines mobile payments with automated cashback loyalty rewards. Founded in 2020 and headquartered in Lakewood, the company serves local small and medium-sized businesses (SMBs) and their shoppers through two product surfaces: the Clavaa consumer mobile wallet app (iOS and Android) and the Clavaa Business Platform for merchants. The core value proposition eliminates standard 2.6-3% card processing fees by redirecting those funds into customer cashback, integrated directly into the payment transaction.
The core technology pairs a digital wallet with a transaction-layer loyalty engine that captures 100% of wallet payments and automatically awards tiered cashback (3% Regular, 5% Gold) without requiring separate loyalty cards or QR codes. The platform integrates with major POS systems (Square, Toast, Clover, Lightspeed) via a 2-minute universal addon, is PCI Level 1 certified, and ships AI-assisted campaign timing for marketing boosts. Product modules span payment processing, loyalty program, marketing suite (including video gift cards), analytics dashboard, and industry-specific solutions for restaurants, grocery, retail, beauty/wellness, gas stations, and service businesses.
The business model is SaaS subscription at $19.99-$34.99 per month for SMBs with optional transaction fees, supplemented by Enterprise White-Label licensing at $20,000+ setup and $2,000+/month. Go-to-market is product-led self-serve for SMBs (free signup, no credit card, 5-minute setup) and direct sales for enterprise deals, supported by content marketing, SEO, and app store distribution. Disclosed scale includes 2,000+ participating local businesses and a 4.9/5 app store rating, though the company provides no revenue, funding, or paying-customer disclosures and operates with 1-10 employees.
Clavaa firmographics
Firmographics- Name
- Clavaa
- Legal name
- Clavaa LLC
- Website
- https://clavaa.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Clavaa operates a dual-sided US fintech and loyalty platform that combines zero-fee mobile payments with automated cashback rewards for local SMBs and their shoppers, integrating with major POS systems and selling via SMB subscriptions plus enterprise white-label licensing.
- Ownership category
- akta.pro rank
Clavaa industry classification
Industry- Product category
- Payment & Loyalty Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Prepackaged Software (7372)
- akta.pro primary industry
- Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)
- akta.pro secondary industry
- Merchant Services Aggregators & SMB Acquirers (FSAMABAK)
Keywords
Where Clavaa is headquartered
LocationHeadquarters
- HQ city
- Lakewood
- HQ country
- United States
- HQ region
- North America
Markets served
Clavaa business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Revenue (Basic Plan): Monthly subscription at $19.99/month with 0.49% per transaction fee. Includes complete loyalty platform, customer digital wallet, advanced rewards program, and standard support. Break-even point at $6,000/month transaction volume.
- Subscription Revenue (Growth Plan): Monthly subscription at $34.99/month with 0% per transaction fee (unlimited transactions). Includes complete loyalty platform and priority support. Break-even point at $11,700/month transaction volume compared to standard 3% processors.
- Enterprise White-Label Licensing: Custom-branded white-label loyalty app deployment for enterprise clients. Starting at $20,000 setup fee with monthly subscription starting at $2,000+ scaling with features and support needs. Includes 1-3 month implementation timeline.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Plan - $19.99/month with 0.49% transaction fee |
| Subscription | Monthly | Growth Plan - $34.99/month with 0% transaction fee |
| Subscription | Monthly | Enterprise White-Label - $20,000+ setup with $2,000+/month |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Clavaa product offering
Product offeringCore offering
Clavaa is a SaaS and mobile payment-and-loyalty platform that combines integrated payment processing with automated, cashback-based loyalty rewards. It enables SMB merchants to accept payments, run digital loyalty programs, and use AI-driven marketing tools, while consumers use a mobile app to pay and earn instant cashback. The company also offers an enterprise white-label loyalty app for larger organizations.
Product overview
Clavaa is a payment and loyalty technology platform combining integrated payment processing with automated loyalty rewards in a single unified system. The product portfolio includes the Consumer Clavaa App (mobile wallet for shoppers enabling contactless payments with 10x rewards), the Clavaa Business Platform for SMBs (zero-fee payments with built-in loyalty, marketing tools, and analytics), and an Enterprise White-Label solution for large organizations. Core modules include Payment Processing (0% fees), Loyalty Program (tiered cashback), Marketing Suite (video gift cards, targeted boosts, discover), Analytics Dashboard, and Universal POS Addon. Industry-specific solutions cover retail, restaurant, grocery, beauty, gas station, and service businesses. Pricing tiers are Basic ($19.99/mo with 0.49% transaction fee) and Growth ($34.99/mo with 0% transaction fee).
Differentiator
Problem solved
Functional benefit
Products and services
- Clavaa App
- Clavaa Business Platform
- Enterprise White-Label Loyalty App
Quantifiable outcome
- 40% higher retention rate for businesses using Clavaa loyalty programs
- +9 more outcomes
Companies that use Clavaa
Customer profileNamed customers11 records
Segments8 records
Ideal customer profiles3 records
Clavaa technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability2 records
Feature6 records
Clavaa partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- SquarecorePOS integration partnership enabling Clavaa wallet payments to work seamlessly with Square POS systems. Square users can add Clavaa as a payment option with 2-minute setup and automatic transaction recording.
- ToastcoreIntegration with Toast POS systems allowing restaurants using Toast to accept Clavaa wallet payments and enable automatic loyalty rewards with their existing setup.
- ClovercoreClover POS compatibility enables merchants to process Clavaa wallet payments through their existing Clover hardware without any technical changes or integration work.
- LightspeedcoreLightspeed POS integration allows retail merchants to accept Clavaa payments and track loyalty rewards through the Clavaa universal addon.
Scale indicators27 records
Recent moves5 records
Expansion highlights6 records
Clavaa competitors and assessment
Company assessmentDirect peers
- Toast Loyalty: Toast's integrated loyalty module competes directly with Clavaa's restaurant loyalty solution. Toast offers payments + loyalty as a unified platform for restaurants — the same dual value proposition Clavaa targets — but with bundled POS hardware and a much larger sales force.
- Square Loyalty (Block): Square's native loyalty program is the most direct competitor to Clavaa — a payment-integrated loyalty solution targeting SMBs on the Square POS ecosystem. Clavaa explicitly positions against Square Loyalty in its comparison content, indicating head-to-head competition for the same merchant base.
- Smile.io: Smile.io is a leading loyalty and rewards platform for SMB e-commerce and omnichannel merchants, offering points, referrals, and VIP tiers. It targets a similar SMB customer profile and competes for the same loyalty platform budget, though focused more on Shopify/online merchants.
- Lightspeed Loyalty: Lightspeed offers a native loyalty add-on for its POS, directly competing with Clavaa's universal POS addon approach. Although Lightspeed is also an integration partner for Clavaa, its bundled loyalty offering targets the same retail and restaurant SMB customers.
- Yotpo Loyalty: Yotpo's loyalty module is a tiered rewards platform targeting DTC and retail brands, competing with Clavaa's retail and restaurant verticals. Both compete for mid-market merchant loyalty budgets with similar tiered cashback mechanics.
- Kangaroo Rewards: Kangaroo Rewards is a cloud-based loyalty platform targeting SMBs in retail, restaurant, and service verticals with cashback, gift card, and digital wallet features. It overlaps significantly with Clavaa's SMB loyalty + mobile wallet positioning and serves a comparable customer segment.
- Paytronix: Paytronix is a leading restaurant and foodservice loyalty and customer engagement platform that combines payments data with loyalty programs. It targets many of the same restaurant and convenience-store verticals as Clavaa and represents a more established enterprise-grade competitor.
Emerging players
- Stamp Me: Stamp Me is a digital loyalty stamp card app targeting SMBs in retail, hospitality, and services. It overlaps with Clavaa's consumer-facing loyalty wallet concept but lacks the integrated zero-fee payment processing layer that differentiates Clavaa.
Broad incumbents
- Fiserv (Clover): Clover, owned by Fiserv, is a major SMB POS platform with bundled loyalty, gift card, and payment capabilities. As both a Clavaa integration partner and a broader incumbent offering competing end-to-end solutions, Clover represents the dominant platform risk.
- Block (Square parent): Block is the parent of Square, Cash App, and Tidal — an integrated commerce and fintech ecosystem with built-in loyalty, payments, and consumer wallet. As a Clavaa integration partner and competitive threat, Block could leverage scale to undercut or replicate Clavaa's offering.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Clavaa compliance and trust
Trust signalCompliance1 record
Clavaa financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clavaa leadership team
Management profileNumber of profiles
Profiles1 record
Clavaa funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clavaa 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 Clavaa
What does Clavaa do?
Clavaa is a SaaS and mobile payment-and-loyalty platform that combines integrated payment processing with automated, cashback-based loyalty rewards. It enables SMB merchants to accept payments, run digital loyalty programs, and use AI-driven marketing tools, while consumers use a mobile app to pay and earn instant cashback. The company also offers an enterprise white-label loyalty app for larger organizations.
Is Clavaa a public or private company?
Clavaa is a private company. It is classified as unknown and is currently operating.
When was Clavaa founded?
Clavaa was founded in 2020. It employs 1 to 10 people.
Where is Clavaa based?
Clavaa is headquartered in Lakewood, United States, in the North America region.
How does Clavaa make money?
Three revenue lines are on record. Subscription Revenue (Basic Plan) is the primary driver. The others are subscription Revenue (Growth Plan) and enterprise White-Label Licensing.
Who are Clavaa's main competitors?
Direct peers on record are Toast Loyalty, Square Loyalty (Block), Smile.io, Lightspeed Loyalty, Yotpo Loyalty, Kangaroo Rewards and Paytronix. Stamp Me is listed as an emerging player. Broad incumbents are Fiserv (Clover) and Block (Square parent).
Does Clavaa have an API?
Yes. Clavaa offers an Open API for enterprise clients and custom integrations. The platform supports custom integrations with existing systems, and engineering team builds custom solutions for specific POS systems. API-first architecture is mentioned for enterprise deployments. Enterprise white-label solution starting at $20,000 setup with monthly subscription of $2,000+ scaling with features.
What industry is Clavaa in?
Clavaa's product category is Payment & Loyalty Software. Its primary akta.pro industry code is BPAMAGAH, Price Comparison, Deals, Cashback & Loyalty Shopping Platforms, with a secondary code of FSAMABAK, Merchant Services Aggregators & SMB Acquirers. Its NAICS code is 522320 and its SIC code is 7372.