“Loyalty by Wirecard” Dematerialises Payments and CLOs


  • The German payment specialist Wirecard keeps expanding their range of services, and unveils a wallet binding a payment service and digital loyalty card.
  • Goal: help companies expand their business globally and look into new markets.
  • Targets: Airlines and retailers, for instance.
  • Through their B2B2C approach, Wirecard features a multi-merchant, all-in-one solution. This company handles the entire process from issuing and managing transactions, to managing loyalty cards.
  • How it works?
    • Every time customers pay with one of the means of payment paired with this wallet, they get rewards as points, miles or other advantages,
    • Rewards can be converted into virtual currencies,
    • They may be used to pay online or in-store.
  • Ambition: achieve roughly €150 million additional revenue over the next 18 months.
  • This solution will be tested in partnership with CardGenY, a London-based company focusing on digital transformation.

50% of consumers are very satisfied with multi-brand loyalty programs.

Source: Bond Brand Loyalty study


  • Flexible offer. Wirecard’s solution lets customers earn and swap points from different market segments. They may then enjoy a more extensive loyalty programme.
  • Lever for customer loyalty. This loyalty solution is an industry first. The group claims they intend to let client companies generate additional revenue beyond their core business. They expect this service to grow strong, especially with airlines.
  • Reaching out for more partners. Wirecard significantly expanded their range of offers over time. In addition to their wallet, they feature instalment options tested with Shopee, for instance. And they will be relying on their challenger bank boon to boost a BtoC approach.


  • A few days ago, a strategic partnership with Salesforce was announced, enabling merchants to integrate their online shops with Wirecard’s platform and improve customer experience for both merchants and end users.
  • Another payment industry player has been combining payment and loyalty through a digital approach. At this year’s Paris Retail Week, Ingenico unveiled a solution for integrating paperless loyalty cards with a smartphone-based wallet.
  • Wirecard already provides a wallet solution to Allianz. This solution doesn’t come with a loyalty management module, but packs in an insurance offer for protecting means of payment and purchases.

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