Points and money in one checkout, at any scale

Commerce & Payments is the Comarch Loyalty module that connects your loyalty program to checkout, payments, and the systems around them. It covers earning and redeeming at the moment of purchase, payment processing through external providers, partner billing and settlement, and the integrations that tie every sales channel to one loyalty foundation.

Yes. With Commerce & Payments, customers can pay with points, money, or a mix of both in a single transaction. That mix is known as split-tender payment. Price plans can vary by tier, channel, or currency, depending on how your program is designed.

Split-tender redemption lets customers spend their points even when their balance doesn’t cover the full price. They pay part of a single purchase with loyalty points and the rest with money, all in one transaction. Since members don’t have to save up for a whole reward first, redeeming becomes part of everyday shopping, and that tends to encourage them to use their points more often.

Yes. The Payment Processing Module integrates with external payment providers and gateways. It handles authorization, capture, charging, cancellation, refunds, and payment-status webhooks, plus 3-D Secure flows where your provider supports them. The exact providers, currencies, and markets for your setup are confirmed during solution design.

No. The payment service stores a token or payment reference, and your payment provider or a secure payment component handles the card credentials themselves. The final card-data architecture depends on your provider and implementation.

Yes. Comarch Loyalty’s loyalty management system was certified as compliant with PCI DSS and PABP during an implementation for a US financial institution, with encryption built directly into the application instead of relying on separate hardware. Compliance for your own program still depends on your full architecture, payment provider, and operating model.

The related points are reversed or adjusted, depending on how your program is set up. Comarch Loyalty links payment and loyalty events to the same transaction, so when a payment is declined, canceled, or refunded, the member’s balance follows it. That link also helps prevent a failed payment from counting as a successful loyalty transaction.

For coalition, franchise, and multi-brand programs, you can configure partner-specific earning rates, redemption rules, and pricing. Comarch Loyalty tracks earning and redemption per partner, and the same transaction data feeds billing reports and settlement, so every partner works from numbers they can verify.

AI margin calibration is part of Commerce & Payments. It weighs each points-and-money split against your product margins at checkout. AI fraud detection is a separate Comarch Loyalty module that flags suspicious redemptions and promo abuse. The two work side by side, each with its own job.

Yes. Comarch Loyalty has documented pay-at-pump scenarios for fuel retailers that connect forecourt controllers, POS, payment providers, fuel-card systems, and loyalty accounts. Fuel data such as grade, volume, and location can feed your earning rules. Availability depends on your forecourt, POS, and payment setup.

The module is designed for brands where loyalty and payment meet at scale, especially in retail, fuel, travel, hospitality, and financial services. It’s the best fit when you need to connect loyalty with POS, e-commerce, mobile payment, reward catalogs, or partner networks.