In a financial market where options are multiplying, loyalty is no longer a differentiator: it's an expectation. Your users want a card that works, but also offers benefits and rewards for using it.
Points and cashback programs have become one of the most effective engines for retention and growth for card issuers in Latin America. And today, launching one shouldn't be a months-long project nor require proprietary infrastructure. At Pomelo, we make it possible in a comprehensive, agile, and scalable manner. Learn all about Loyalty below.
The impact of loyalty programs on user behavior is significant. According to the report “Loyalty Strategies and Programs in Latin America 2025” by EY, 82% of consumers state that loyalty programs influence their spending level towards a brand. It's not just about retention: it's about growing with the users you already have.
Furthermore, the report shows that a well-implemented loyalty strategy can increase the revenue generated by repeat consumers by 15% to 25%. In other words, users who feel rewarded spend more, more frequently, and stay longer in the ecosystem.
In Latin America, this takes on even more relevance. The competition among fintechs, neobanks, and traditional issuers intensifies every year. Users have more options than ever, and rewards programs have become a decisive factor when choosing and staying. Every transaction is an opportunity for loyalty. Without a loyalty program, that opportunity is lost.
Pomelo Loyalty is an all-in-one solution to create, operate, and scale points and cashback programs from a unified ecosystem. It is designed for card issuers who want to launch their program in an agile manner without relying on complex integrations or proprietary developments from scratch.
Our Loyalty program's objective is for the integration to be direct and simple, with immediate impact. Therefore, it includes:
Agile campaign configuration: from our Dashboard, you can create and manage loyalty campaigns with fully configurable rules by limits, transaction type, and merchant (MCC), campaign duration, and other business criteria.API integration: through APIs, you can query balances, manage points, and connect the reward program with existing flows on your platform. The architecture is designed for technical teams that need flexibility without sacrificing implementation speed.Real-time visibility and control: the points balance is available in the cards and/or users section of our Dashboard, as well as in the detail of each transaction. Your users see their rewards where it matters most: at the time of use.Traceability and reporting: You can see how many points were accumulated, how they were used, and what results the program generated on transactional behavior, to analyze the real impact of each campaign.Webhooks and real-time events: webhooks notify about effects to be applied, confirmed, and canceled, making it easier to automate and keep all systems in the ecosystem synchronized.One of the differential advantages of our Loyalty module is its flexibility to create multiple simultaneous, personalized, and segmented campaigns. The complete flow covers:
Launch speed: configuration from the Dashboard, without months of development.Total flexibility: configurable rules by MCC, segment, country, channel, and more.Scalability: pricing based on the volume of approved transactions, adapted to the size of your operation.Operational control: complete traceability and reporting to make data-driven decisions.Unified ecosystem: loyalty natively integrated with Pomelo's card infrastructure.Get in touch with our team to implement it.
A points and cashback program is a rewards system that rewards users every time they make a purchase with their card. Points can be exchanged for benefits, discounts, or products, while cashback returns a percentage of the amount spent directly to the user's balance. In Latin America, these programs are a key differentiating factor for credit and debit card issuers.
Pomelo offers a comprehensive solution for points or cashback programs that easily integrates with any card program in Latin America. The solution, called “Loyalty,” includes a Dashboard to set up campaigns with full autonomy, APIs to integrate with your existing systems, and webhooks to automate real-time events. The integration process is straightforward and designed to launch to market quickly.
Points are virtual units that the user accumulates through their purchases and then redeems according to the program's rules (for products, discounts, miles, etc.). Cashback, on the other hand, is a percentage of the spent amount that is directly returned to the user, usually as credit in their account. Pomelo Loyalty allows configuring both types of rewards within the same platform.
Yes. The solution offered by Pomelo allows setting application rules by MCC (merchant category code), country, transaction channel, card type, and other business criteria. This enables the creation of very specific campaigns, such as earning double points at supermarkets in Mexico during a certain period.
Yes. Pomelo's solution displays the points and cashback balance in the cards and/or users section of the Dashboard, and also in the detail of each transaction. Additionally, the APIs allow integrating this information directly into the issuer's app or platform, so the user can see it where it matters most to them.
Yes. Pomelo operates in multiple Latin American countries and its Loyalty module is designed for issuers in the region, including fintechs, neobanks, and companies looking to launch their own card programs. The solution is prepared for the regulatory and operational particularities of each market.
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