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Loyalty solutions

A technology infrastructure for loyalty programmes that leverages the national coverage of the MULTIBANCO network and a ready-to-use tool with no impact at the point of sale.

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Merchants and Corporate Clients

Each loyalty programme has a Promoter who manages it. The Promoter may be a merchant.

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Financial Institutions

The Promoter may also be a financial institution.

Already in Use in Portugal

Portugal

Within the MULTIBANCO Discounts programme, we work with two Promoters from distinct sectors in Portugal: sports and insurance. For the Loyalty Programme, the service is initially targeted at parish councils acting as Promoters. We will start with the Junta de Freguesia do Bairro de Benfica, in Lisbon.

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Born local. Grown global.

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Promoters

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Merchants

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Transactions processed per month with associated discounts

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Customers who have subscribed to this solution

Connect your business to the future.
Let’s talk?

Connect your business to the future. Let’s talk?

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Empowering Local Economies and Strengthening Communities Together

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Based on the MULTIBANCO network

A solution built on the MULTIBANCO network, familiar to Portuguese consumers, with no changes required at the POS.

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Boosts local economies

Strengthens local trade and relationships between the Promoter, merchants, and citizens.

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Complete solution: physical and online

An omnichannel model that combines the advantages of both the physical and digital worlds.

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Backoffice for management

All information is centralised in a backoffice and a dedicated application.

How the Programme Works

Consumer app

  • View participating merchants, transactions, and balances.
  • Receive notifications on balance accrual and usage.
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Promoter backoffice

  • Monitor programme usage.
  • Configure participants.
  • Credit balances (e.g., birthday top-ups).
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Merchant backoffice

  • View transactions carried out at the establishment.
  • Access statistical and operational insights.

Balance accumulation

Accrue balances on any POS registered in the programme, using bank cards (up to four bank cards per consumer).

Balance Spend

Spend balances using a physical card or MB WAY via QR code or NFC.

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Who already trusts us

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