Checkout & Payments
Spend loyalty points at checkout
In one sentence
The rewards wallet lets a customer spend accumulated loyalty points at checkout against the current order, so points earned on past purchases translate directly into a real saving right now, not an abstract balance sitting unused.
How it works
With loyalty enabled for a brand, points a customer has earned accrue into a wallet balance visible in their account. At checkout, they can choose to apply some or all of that balance against the order total, and the saving is calculated and applied within the same basket and pricing engine as any other discount — so it can sit alongside a promo code or other offer rather than requiring a separate redemption step. The brand controls the earn rate, the redemption value of points, and any redemption limits, through the loyalty programme configuration.
The problem it solves
For the brand
A loyalty programme that lets points accrue but makes redemption clunky or hidden away doesn't reinforce the behaviour it's meant to reward — customers who can't easily see or use their points lose interest in earning more of them, undermining the retention effect the programme exists to create.
For their customers
Earning points that are difficult to spend, hidden in an obscure part of the account, or unable to combine with a discount code they'd also like to use, makes a loyalty balance feel like it doesn't really belong to them.
For shoppers
For the brand
Reinforces the earn-and-spend loop that drives the entire loyalty programme's retention value
Points redemption rate, repeat purchase rate
Points redemption combines with other offers in the same basket, without conflicting discount logic
Basket completion rate with points applied
Earn rate, redemption value and limits are all configurable to the brand's margin model
Loyalty programme cost as % of revenue
A visible, usable wallet increases perceived value of the loyalty programme itself
Loyalty programme enrolment and engagement
In practice
A returning customer with an accumulated points balance reaches checkout.
They see their wallet balance and choose to apply 500 points against the order.
The saving is deducted from the total, alongside a separate promo code they've also applied.
The order confirms with both discounts correctly reflected, and their remaining points balance updates.
Where it lands hardest
Health & nutrition
Strong fit given frequent repeat purchase, letting points accrue and redeem naturally across a replenishment cycle.
Beauty & personal care
A well-established loyalty mechanic in the category, particularly for customers building a routine across a brand's range.
Food, drink & FMCG
Suits frequent, lower-value repeat purchase well, where small point redemptions add up meaningfully over time.
Pet care
Effective given the reliably recurring nature of pet food and consumables purchasing.
Fashion & apparel
Works well for brands with a strong repeat-customer base, though redemption value needs to feel meaningful against typically higher basket values.
Luxury & premium
Effective when framed as an exclusive membership benefit rather than a mass-market points scheme, matching the category's tone.
Common questions & objections
Why the platform version wins
Because the wallet resolves within the same basket and offers engine as every other discount, a customer can combine points with a promo code and see one coherent total — rather than a bolt-on loyalty app that has to be redeemed separately and can conflict with whatever else is in the basket.