Security & Data Privacy | Comarch Loyalty

Loyalty risk isn’t just a breach

Enterprise loyalty programs carry personal data, points balances, customer identities, partner relationships, and the integrity of the rules that hold it all together. Any one of those can go wrong, long before anyone calls it a breach.

Personal data

Loyalty links identity, transaction, preference and behavior data across every channel you run. One leak and that connection works against you instead of for you.

Points & fraud

Points are currency your customers can spend. That means they're currency someone can steal through account takeovers, abuse loopholes, or a redemption rule nobody stress-tested.

Compliance & accountability

Your security and compliance teams need real answers: where the data lives, who can touch it, and why the system made the call it made.

Security wired into how Comarch Loyalty runs

Our safeguards work together, so personal data stays protected, points keep their value, and your team spots trouble while it's still small.

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Privacy controls

Consent-based profiling. Automated anonymization. Data-handling rules you configure, not ones baked in by us.

Fraud detection & scoring

Machine learning watches enrollment, transactions, redemptions and behavior for anomalies, then scores the risk in real time, while there's still time to act.

Program logic monitoring

The system catches rule loopholes and conflicting campaign logic before they turn into runaway point inflation.

Controlled access

Role-based permissions, MFA, and integration with the identity provider you already trust.

Reviewable decisions

The AI-powered system flags the risk and explains why. A person on your team makes the call.

AI finds the signal, your team decides the response

A transaction or registration hits the platform (via API, batch, or Kafka stream) and gets checked against historical and expected behavior.

Regulators don't wait for a convenient time

The same engine that catches fraud above also has to satisfy your auditors, your DPO, and whichever regulator shows up first. And because the program keeps growing, this whole setup grows with it.

Walk into any audit ready

Security protocols, access controls, and penetration testing aren't things we did once and filed away. They're things you can schedule a walkthrough of, anytime. When the audit request lands on your desk, you already have it, and you already know it holds up.

Give your DPO an easy yes

Anonymization, consent controls, and a real data lifecycle mean your Data Protection Officer isn't guessing how personal data gets handled underneath the platform. They can see the controls, sign off with confidence, and get back to the rest of their queue.

Run it your way

Comarch Cloud, a dedicated private cloud, hybrid, or fully on-premise? You choose the architecture and where your data physically lives, based on what your regulators and your infrastructure team actually need, not a default we picked for you. REST, batch, Kafka, and identity federation connect it to the stack you already run, so nothing has to be rebuilt around us.

Keep the final call in human hands

High-impact fraud and loyalty decisions route through the approval path you configure. The system flags it and explains why, but a person on your team makes the final call. You get the speed of automation without ever handing it the authority to act alone.

Every claim on this page, backed by a control

713M+ active members

across loyalty programs, collecting and redeeming points with 2K+ partners

AI-powered fraud detection

to catch anomalies early

15B annual transactions

processed in real time

We have the receipts

With Comarch Loyalty, every important decision your loyalty program makes is visible, reviewable, and explainable.

Keep customer trust

One mishandled data incident undoes years of loyalty. Comarch Loyalty is how you make sure it doesn't happen.

Protect financial value

Close the loopholes that turn points into liabilities: account takeovers, unauthorized redemptions, campaign logic nobody double-checked.

Support governance

Give your compliance, legal, and security teams an operating model they can actually explain upward.

Whatever's keeping your security team up at night about this program, put it in front of us. We'll walk through exactly how it gets handled, and where the real gaps might be.

Put it in front of us See the success strories

Latest Posts

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News

October 30, 20261 minute

Max Byloff returns to the Blind Loyalty Challenge live

Tech companies care the most about personalization, and members should never have to think about it. That’s where Max Byloff, CEO of Comarch Loyalty, landed when Amanda Cromhout put him back in the hot seat for the Blind Loyalty Challenge.

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Comarch Loyalty transforms Azerbaijan Airlines’ loyalty program into a fintech ecosystem

Comarch Loyalty has overhauled Azerbaijan Airlines' AZAL Miles program, transforming its traditional reward system into a dynamic digital wallet and broader fintech ecosystem.

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Loyalty Circle London asked senior leaders what happens when AI agents do the shopping

On 14 October, Comarch Loyalty brought senior loyalty leaders to KOL, a one-Michelin-star restaurant in London, for a lunch that was built around one question: what does your program look like to a member who isn't human?