Fintiv Solution · P2R
Loyalty that behaves like currency, not like a coupon that expires in a drawer
A rewards platform that runs on the same ledger as the money itself.
Overview
Loyalty programs usually live in their own silo, a separate points balance, a separate app, a separate reason for a customer to forget about it. Fintiv's P2R solution treats loyalty as another form of value on the same ledger as cash, so points can be earned, spent, and transferred with the same immediacy as a payment.
Behind the solution sits StickyStreet®, Fintiv's proven loyalty platform, in the market for more than fifteen years, powering the full range of P2R capabilities described above. Enterprises can deploy it under their own brand, on their own domain, in their own currency and language, without building a rewards engine from scratch.
Key Features
- Closed loop points and stored value accounts
- Coalition programs that let multiple merchants share one rewards pool
- Two tier reward structures, for both cardholders and the merchants that serve them
- White label deployment, with a partner's own domain, logo, language and currency
- Runs on the same ledger as wallet balances and peer to peer transfers, so points are just as spendable as cash
Why It Matters
- The economics here are well established. Retaining just 5% more of an existing customer base can lift revenue by close to 50%.
- Shoppers enrolled in a rewards program tend to spend 46% more and visit 28% more often than those who aren't.
- Fintiv's loyalty platform already runs at meaningful scale, more than 125 million transactions processed for close to 7 million consumers across better than 3,200 merchants, so an enterprise adopting it isn't testing an idea, it's plugging into something already proven under load.
How It Connects
Because P2R shares its ledger with Fintiv's P2P and P2M solutions, a reward earned on a purchase can be spent instantly as a peer to peer transfer or at any merchant on the network, no waiting for points to post, no separate redemption flow. That's the difference between loyalty as an afterthought and loyalty as working capital for the customer relationship.