What Loyale does

Loyale is a Malta-based cloud platform that provides an omnichannel rewards marketing and embedded finance solution for retail, hospitality, ecommerce, and financial-services brands. Founded in 2021 by Bjorn Azzopardi (CEO) and Glyn Mercieca (Head of Tech), the company operates an API-first platform with modules spanning Rewards, Reach (push/SMS/email communications), Segmentation, Reports, Automations, and a third-party Marketplace, complemented by white-label mobile apps, Payment Linked Loyalty technology, and a Terminal App for NFC-enabled POS environments. Notable integrations include Shopify, Shopify POS, WooCommerce, Lightspeed (R/K/L/X series), Oracle Micros Simphony, Retailpro, SIMS, Stripe, Global Payments, Viva, Mailchimp, and Klaviyo. Reported platform metrics include 1B+ in Purchased Monetary Value processed, 900K+ loyalty members, 21M+ in customer rewards distributed, and 200M+ automation-triggered actions.

The platform's underlying technology distinguishes itself through Payment Linked Loyalty, which automatically identifies customers at checkout via linked payment cards on NFC-enabled Android devices or POS terminals — removing the requirement for QR codes or app downloads during enrollment and redemption. The architecture supports both no-code self-serve deployment (free 30-day trial, Shopify App Store listing) and developer-led customization via iOS/Android SDKs and REST API, evidenced by OEM-style deployments for Panino Giusto (with Oracle Micros integration), Alajmo+ (Michelin-starred group), Hudson Group, Welbee's, and Lava Rewards.

Loyale monetizes through tiered monthly SaaS subscriptions ranging from Free (€0, 500-customer cap) to Enterprise (€999/month, unlimited customers), with usage-based overage fees for transactions, emails, and notifications. Additional revenue streams include a 10% + €0.25 per-subscriber fee on Subscription-based Loyalty revenue, marketplace commissions on third-party reward redemptions, and white-label app fees of €400–€1,149/month plus optional €150 for native mobile apps. Go-to-market combines self-serve PLG, a Shopify App Store listing, a four-tier Partner Programme (Referral, Reseller, Technology, Consultancy), direct enterprise sales, and OEM white-label deployments. The company is bootstrapped with approximately 15 employees and lists brand references including Nike, Adidas, Ralph Lauren, Costa Coffee, Pizza Hut, Mango, and Atlas Insurance.

Name

Loyale

Legal name

Loyale

Website

https://loyale.io

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Loyale is a Malta-based cloud platform providing omnichannel rewards marketing, loyalty, and embedded finance tooling to retail, hospitality, ecommerce, and financial-services brands, ranging from Shopify SMBs to global enterprises, via modular SaaS plus white-label and API-driven deployments.

Ownership category

akta.pro rank

Product category

Customer Loyalty Software

akta.pro primary industry

Memberships, Clubs & Loyalty Subscriptions (CRAFAIAE)

akta.pro secondary industries

Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)

Keywords

• Customer loyalty platform
• Rewards marketing software
• Omnichannel loyalty solutions
• Payment linked loyalty
• White label loyalty apps

Headquarters

HQ city

Birkirkara

HQ country

Malta

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. SaaS Subscription Plans: Tiered monthly subscription model (Web, Core, Advanced, White Label) with per-transaction overage charges. Plans range from free (500 customer cap) to Enterprise (€999/month, unlimited customers). Additional per-email, per-notification, per-transaction fees apply above included limits.
2. Marketplace Commission: Marketplace partner program earns commission when loyalty scheme members redeem third-party rewards listed by marketplace partners. Loyale handles payment and reconciliation automatically.
3. Subscription Loyalty Platform Fee: Loyale takes 10% + €0.25 per subscriber per month from brands' paid loyalty subscription revenue, with the remainder going to the brand.
4. Transaction Overage Fees: Usage-based overage fees for transactions exceeding plan limits (e.g., €0.25 per transaction over 500 on Starter plan), emails, notifications, and customer caps.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels6 records

Core offering

Loyale sells a cloud-based, omnichannel customer loyalty and engagement SaaS platform that lets retailers and hospitality operators run points, coupons, gift cards, lotteries, push notifications, segmentation, automations, and reporting from a single backoffice, with optional white-label mobile apps, API/SDK custom builds, payment-linked loyalty at NFC terminals, a subscription-loyalty model, and a third-party rewards marketplace. Pricing is tiered (free Web, Core, Advanced, White Label) with per-transaction overage fees and is delivered via self-serve, app store, partner/reseller, OEM, and direct enterprise channels.

Product overview

Loyale is a unified rewards marketing platform that transforms everyday payments into loyalty, customer insights, and new revenue opportunities. The platform operates as a modular system with a core platform and multiple integrated modules: the Rewards Module (points, coupons, gift cards, lotteries, promo codes), Reach Module (push notifications, SMS, emails, posts, feedback forms), Segmentation Module (customer tagging, groups/levels, demographics), Reports Module (dashboard, Report Studio), Automations Module (trigger-based workflows), and Marketplace (third-party rewards ecosystem). User-facing products include Loyalty Wallet (prebuilt mobile app), White Label App (custom-branded solution), and Built on Loyale (API-based custom development). Finance features include Terminal App (POS loyalty), Payment Linked Loyalty, and Subscription-based Loyalty. The platform integrates natively with Shopify, WooCommerce, Shopify POS, multiple Lightspeed POS systems, Oracle Micros, Retailpro, Sims, Stripe, Global Payments, Viva, and Mailchimp/Klaviyo for marketing automation. Pricing tiers range from free Web Only plans to Enterprise, with optional white-label and API/SDK access for developers.

Differentiator

Problem solved

Functional benefit

Products and services

• Loyale Platform Unified cloud-based rewards marketing and embedded finance platform for retailers and hospitality operators, sold via tiered SaaS subscriptions (Web Only, Core, Advanced, White Label).
• Terminal App
• Payment Linked Loyalty
• Subscription-based Loyalty
• Loyalty Wallet
• White Label App
• Built on Loyale
• Loyale Marketplace
• OCR Reader for Points Receipt scanning capability that lets customers photograph paper receipts to earn loyalty points for offline purchases.

Quantifiable outcome

• A 5% increase in customer retention can drive profitability by up to 95%
• +3 more outcomes

Named customers53 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration25 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• Bahrain National BankcoreStrategic or Co-development PartnerLoyale originated from Bahrain National Bank as an initiative to aggregate loyalty points from multiple retail stores into a single rewards experience. Bahrain National Bank is the parent/spinout entity behind the Loyale platform.
• ShopifycoreTechnology or IntegrationLoyale integrates with Shopify and Shopify POS, enabling merchants to run loyalty programs across online and in-store channels. Available as a listed app on the Shopify App Store with one-click installation.
• Shopify POScoreTechnology or IntegrationLoyalty integrates directly with Shopify POS, giving instant access to customer profiles, available coupons, gift card balances, and loyalty points at checkout. Redemptions and loyalty rewards can be applied on the spot through the POS interface.
• Referral & Reseller PartnerscoreChannel Partner/ Reseller/ DistributorAgencies, retail tech consultants, and solution providers who introduce Loyale to merchants and earn recurring referral or reseller revenue. Four tiers: Referral, Reseller, Technology/Integration, and Consultancy partners.
• Technology & Integration PartnerscoreTechnology or IntegrationPOS, CRM, ERP, and payment providers integrating Loyale with their platforms to deliver expanded customer engagement capabilities to their merchant clients.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Smile.io: A leading Shopify-native loyalty and rewards platform serving SMB and mid-market merchants with points, referral, and VIP programs. Direct overlap with Loyale's Shopify-centric SMB motion and similar feature scope (points, referrals, tiers).
• Yotpo: Commerce marketing platform spanning reviews, SMS, subscriptions, and loyalty, with deep Shopify and broader ecommerce integrations. Competes with Loyale on enterprise-grade loyalty and the broader customer engagement suite.
• LoyaltyLion: Shopify-focused loyalty and engagement platform for DTC and retail brands, offering points, referrals, and VIP tiers. Directly comparable to Loyale's Web and Core tiers for the Shopify merchant segment.
• Punchh: Restaurant and QSR loyalty and engagement platform with deep POS integrations, used by large chains such as Pizza Hut-adjacent brands. Direct competitor in Loyale's hospitality and F&B vertical with enterprise deployments.
• Antavo: Enterprise loyalty cloud platform for global retail and fashion brands, with API-first architecture and tiered engagement programs. Closely comparable to Loyale's Advanced and White Label enterprise offerings and named fashion customer base.
• Thanx: Restaurant and retail customer engagement platform combining payment-linked identification with loyalty and marketing. Direct overlap with Loyale's Payment Linked Loyalty and F&B vertical focus.
• Lootly: Shopify and ecommerce loyalty platform with points, referrals, and VIP tiers, competing in the same SMB-to-mid-market segment as Loyale's Web and Core tiers.
• Kangaroo Rewards: Cloud-based loyalty platform for retail, restaurant, and ecommerce merchants, with omnichannel engagement and POS integrations. Comparable in customer segments and feature scope to Loyale's Core and Advanced tiers.

Broad incumbents

• Square Loyalty (Block): Loyalty functionality bundled into the broader Square POS and payments ecosystem, serving millions of SMB merchants globally. Competes with Loyale's SMB self-serve motion as part of a much wider commerce platform.
• Salesforce Loyalty Management: Enterprise-grade loyalty module within the Salesforce Customer 360 platform, targeting large multi-brand retailers and hospitality groups. Overlaps with Loyale's enterprise and multi-location deployments but at a much larger scale and price point.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/loyale_io
• LinkedInlinkedin.com/company/loyaleio

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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 Loyale