Fewer things to carry.
A direction that reduces the need for separate loyalty cards at participating merchants.
LOYALTY / ON THE HORIZON
More reasons to return.
Less to remember.
A more natural connection between the businesses people value and the customers who keep coming back.
Explore the opportunityTHE IDEAOne PayTap.
One PayTap.
Many individual relationships.
Recognition should not require another card.
A customer may have a favourite café, a regular store and a trusted local service. Each relationship is different. Managing a separate loyalty card for each one can make participation feel like work.
PayTap is shaping a connected loyalty experience at participating businesses. The ambition is to simplify recognition while leaving each merchant’s customer relationship distinct.
THE EVERYDAY, REIMAGINEDA familiar face.
Illustrative imageryA familiar face.
A meaningful connection.
The best loyalty experiences start with a reason to come back, and make that reason easier to recognise.
FOR CUSTOMERS
Participation should fit into your day.
A clearer place for loyalty.
A more organised experience, where merchant relationships are easier to understand without losing what makes each one different.
Less to keep track of.
An ambition to make eligible benefits easier to follow and use, with the details determined by each participating program.
FOR MERCHANTS
Your business. Your relationship.
Loyalty has to reflect the business offering it. What makes sense for a café may be different from what works for a retailer or a service business.
Our direction is to make loyalty easier to manage and more natural to participate in, without flattening every business into the same experience. Merchant control, clear customer expectations and useful insight are central to that thinking.
WHAT GOOD LOYALTY NEEDS
Simple to join is only the beginning.
A reason that matters.
A benefit should make sense to the customer and the merchant. Simplicity creates space for that value to be understood.
Conditions people can follow.
Eligibility, progress and any time limits should be understandable. Clear expectations are part of the experience, not an afterthought.
A place in the everyday.
The experience should fit the payment moment without distracting from it. Recognition is useful when it feels natural to both sides.
A CONNECTED EXPERIENCEDesigned to belong.
Designed to belong.
Not to get in the way.
Payment approval and loyalty recognition have different purposes. A customer should still understand and authorise the payment, while any applicable benefit is made clear within the relevant journey.
We are keeping the public story focused on the experience as this capability develops. Detailed program mechanics, redemption conditions and availability will be shared when ready.
Read our loyalty perspectiveLOYALTY QUESTIONS
What we can share today.
Is PayTap offering one shared points currency?
We are not announcing a shared points currency or a cash balance. The direction described here is a simpler experience for individual merchant relationships.
Will customers need separate cards?
The intention is to reduce the need for separate merchant loyalty cards through PayTap at participating businesses.
Will every merchant offer the same program?
No. Our direction preserves the individual merchant relationship. Program availability and conditions will depend on the participating business and final product design.
Is the loyalty service already available?
No. It is on the horizon. We welcome merchant and partner conversations while the experience is being developed.
Make the connection more meaningful.
If loyalty is part of your customer strategy, we would like to understand what a simpler experience could mean for your business.
Connect with PayTap