The Loyalty Program that Actually Works!
Launch a Turnkey Loyalty Program - Without Building One!
FynLoy is a coalition (open-loop) loyalty and rewards infrastructure that enables customers to earn and redeem rewards across multiple merchants using a single account and experience.
Merchants gain new customers from the network, increase repeat visits, and drive incremental spend without running their own loyalty app.
No separate apps. No fragmented programs. Just rewards that work.
Customers don’t want to download a separate app for every merchant.
They want one rewards experience that works everywhere they shop.
Supports Visa® and Mastercard® credit and debit cards.
Built for the Payments & Commerce Ecosystem
Core Capabilities
Explore our primary offerings to enhance your rewards ecosystem.
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2X Points - Consumer Coalition Loyalty
A multi-merchant rewards network that helps SMBs acquire new customers and retain existing ones together through shared, card-linked rewards currency and offers, rewards, and deals.
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Merchant Rewards - Loyalty for Merchants
A B2B loyalty program that enables partners to reward their merchant customers with points redeemable for cash back or gift cards through a partner-branded interface.
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Card-Linked Offers - Open-Loop Rewards
Consumers link a card once and earn rewards automatically across participating businesses with flexible redemption options. Spending within the network triggers double points rewards.
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Turnkey Rebates and Incentives Rebate Campaigns
Launch digital rebate programs with proof-of-purchase capture, validation, and payouts — fully managed end to end. We support receipt scanning combined with card linking tracking technology.
Customers want one rewards app, not many.
The Problem
Loyalty Is Broken - for Merchants and Customers
- Customers are overwhelmed by dozens of unused loyalty apps.
- Merchants struggle to drive repeat visits beyond their own four walls.
- Processors and POS platforms lack a scalable, monetizable loyalty layer.
- Standalone programs fail to create meaningful engagement,
- The result: low adoption, low usage, and limited ROI.
The Solution
A Shared Loyalty Network Ecosystem
- FynLoy powers coalition loyalty, a shared rewards network where:
- Customers earn rewards automatically when they pay
Merchants benefit from network-wide customer reach
Platforms launch loyalty without building complex infrastructure
All powered by card-linked technology and a unified rewards engine
Why FynLoy Is Different? One Card. One Account. Rewards Everywhere.
- No QR codes to scan
-No punch cards to manage
- No app downloads per merchant
- Rewards are earned automatically when customers pay with their card across participating merchants in the network.
Who FynLoy's Platform Is Built For and What are the Partner Benefits?
Payment Processors & FinTech's
Launch loyalty without building it. Increase merchant retention and recurring revenue.
POS Platforms
Differentiate your platform with turnkey, built-in loyalty — minimal integration required.
ISOs & MSPs
Reduce merchant churn and earn ongoing revenue from value-added loyalty services.
- Merchants
Attract new customers, drive repeat visits, and compete with bigger brands — without complexity.
How FynLoy Works
Partner Enables FynLoy
Payment platforms deploy loyalty and rewards across their merchant networks.
Programs Are Launched
Merchants publish offers. Merchants, Brands, cities, agencies, and partners fund incentives.
Rewards Earned Automatically
Card-linked rewards with no operational burden.
Two Programs. One Ecosystem.
2X Points (Consumer Coalition Loyalty)
- Drives customer acquisition and retention
- Rewards shoppers across multiple merchants
- Unified points currency
- Funded by merchants, partners, or brands
Merchant Rewards B2B Loyalty for Merchants
- Incentivizes volume, tenure, product adoption
- Rewards merchants for loyalty and engagement
- Points redeemable for cash back or gift cards
- Partner-branded experience
Works with any Payment Provider
Works alongside existing POS, payment terminals, and loyalty programs; no replacement required.
Loyalty, Rewards & Rebate Infrastructure Built for the Payments Ecosystem
FynLoy provides the infrastructure partners need to power coalition consumer loyalty, merchant rewards, card-linked offers, and digital rebates across multi-merchant networks, including programs funded by brands, cities, and agencies.
Platform Capabilities
Coalition consumer loyalty infrastructure (2X Points)
Merchant loyalty infrastructure (Merchant Rewards)
Visa & Mastercard card-linked rewards
Open-loop rewards currency
Merchant dashboards & reporting
Branded microsites & embedded access
Turnkey rebate engine
Brand-funded, city-funded, and agency-managed programs
Merchant Dashboard
- View performance reports and analytics
- Track issued and redeemed rewards
- Download invoices and billing statements
- Create and manage offers
- Launch marketing campaigns
- Manage locations and program settings
One Platform. Multiple Program Owners.
FynLoy supports multiple program owners and funding models on the same infrastructure:
• Payment processors and POS platforms enable loyalty for merchants
• Brands fund promotional offers, rebates, and rewards
• Cities launch shop-local and economic incentive programs
• Agencies operate programs on behalf of clients
• Merchants and consumers participate seamlessly
Each merchant receives:
- A branded home store experience
- A merchant microsite
- Embedded customer access for their own website or app
Partner Enablement Options
- Co-branded deployment
- White-label deployment
- API and embedded integrations
See How FynLoy Fits Your Platform
Coalition Loyalty for SMBs
2X Points is FynLoy’s flagship consumer coalition loyalty program that allows SMBs to grow together by publishing offers into a shared rewards network.
Benefits
For Partners
Differentiate your offering with coalition loyalty that drives merchant growth and retention.
For Merchants
Acquire new customers from the network while rewarding existing ones.
For Consumers
Earn unified rewards across participating businesses and redeem flexibly.
Power Offers™ – Customer Acquisition
- Network-wide cash back offers
- Designed to attract new customers
- Pay-for-performance model
Loyalty Programs for Merchants
- Processing volume
- Tenure and loyalty
- Product adoption
- Participation in programs
- Network engagement
Payments & Commerce Ecosystem
Payment Processors & ISOs
POS Platforms
Banks & Fintech Platforms
Multi-Location & Dealer Networks
Partner-Led Distribution.
Network-Led Growth.
Why Partner with FynLoy
Deployment Models
REBATE ENGINE
Turnkey Digital Rebates & Incentives
What the Rebate Engine Includes
- Proof-of-purchase capture (receipt, POS, transaction data)
- Validation and fraud controls
- Cash back, points, or gift card rewards
- Digital payouts and fulfillment
- Reporting and reconciliation
Use Cases
- Co-branded deployment
- White-label deployment
- API and embedded integrations