The loyalty platform that runs inside the transaction

From first purchase to customer for life

Qurable is the AI-native Customer Engagement & Loyalty Platform that unifies customer data, loyalty, engagement and payments — turning every customer signal and transaction into the next best action. It decides the reward while the payment is being authorized: at the point of sale, in your ecommerce checkout, at the payment processor and in your app or wallet.

See how it works

Reward decided in ~150 msAUTH

Qurable recognizes Camila and picks 20% off her favorite combo, inside the payment authorization.

Camila pays with QR

USD 20

Favorite combo −20%−USD 4

Loyalty points awarded+16 pts

The following week

She comes back and pays with her points−16 pts

Trusted by

Qurable in numbers

Already running at scale, every day.

18MEnrolled members13M active across programs
~150 msTo decide the rewardInside the payment authorization
17.3MJourneys on a peak dayAutomated, with no manual work
600+MerchantsAcross 6+ Latin American markets

Transaction Intelligence

Loyalty and engagement at the moment of payment, not days later.

Qurable joins each customer’s data with the moment of payment: it decides and credits the reward at authorization —at the point of sale, the processor and the checkout— on a double-entry ledger. We call it Transaction Intelligence: deciding the reward inside the transaction.

Traditional loyalty program compared with Qurable
Traditional program	With Qurable
The customer pays and leaves.	Recognizes the customer at the checkout, instantly.
Sales are processed hours later, in batches.	Chooses the reward from their history while the sale is still open.
Points and messages arrive once the customer is gone.	Applies the discount, points or cashback before the receipt prints.
The same promotion for everyone, built by hand on last week’s data.	Personalizes in real time and cuts operating cost: each customer gets their offer from their history and their purchase, with no hand-built campaigns.

Why Qurable

What makes Qurable different. Four architecture decisions.

One platform, AI that decides, the payment as the decision point and value that moves across brands: that is how Qurable decides the reward at the moment of payment, not days later.

01 — One platform
CDP + Engagement + Loyalty + Payments
Data, engagement, loyalty and payments on the same customer profile, the same rules and the same ledger. No silos, no fragile integrations.The platform →
02 — AI Decisioning & Agents
AI-native: next-best-action at every interaction
Decides which reward to offer, to whom, when and through which channel, protecting margin and budget. Nothing goes live without your approval.AI Decisioning →
03 — Payments-native
Decisioning at the transaction
The reward is decided and credited inside the payment authorization, in ~150 ms: at the point of sale, the processor and the checkout.Cashback at payment →
04 — Interoperable
Value moves across brands and programs
Points and rewards exchanged across brands at each program’s rate, in coalitions and co-funded promotions.Loyalty coalition →

White-label channels
SDK and components ready to embed in your app or website, plus WhatsApp and push.
Fast implementation
1 to 3 months depending on scope: start with one module and add the rest when the business calls for it.

How it works

Camila, your customer, pays for her lunch. It all happens while the payment is authorized.

Camila is a customer of your restaurant chain. She pays USD 20 with a QR code and, in under a second, Qurable recognizes her, decides her reward, awards her points and records it. This is how she experiences it, and how your program handles it.

0 sPays with QR
~150 msReward decided
Before the receiptDiscount and points
Days laterComes back

Camila: pays with QR

The point of sale sends the purchase and Qurable pulls her profile: tier, history and what she usually orders.

Qurable recognizes her

Camila: waits for the receipt, ~150 ms

With the sale still open, it picks the right reward for her: 20% off her favorite combo, not a generic discount. It respects your team’s rules, priorities and budget.

AI engine that crosses preferences, proximity, usual time and history to choose the reward

Qurable decides her reward

Camila: pays USD 16 instead of 20 and earns 16 points

The discount lands before the receipt prints and, in the same operation, she is awarded 16 loyalty points on what she paid. If she does not use the reward at checkout, it reaches her via WhatsApp or push.

Reward delivered on the customer’s channel: push, WhatsApp and point of sale

Qurable applies it at checkout and awards her points

Camila: comes back the next week

Every point is posted to the double-entry ledger and her balance pays for the next purchase. The next journey triggers on its own.

Redemption at the point of sale with credited points and the next automatic experience

Qurable records it and invites her back

The platform

One platform for loyalty, engagement and payments. Turn on only the modules you need.

Know every customer across all your channels and brands. Member 360: unified identity, consents, purchase history and audiences for every member, in real time and ready at the moment of payment. It integrates with your CRM instead of replacing it.Customer Data Platform →
Higher visit frequency and bigger baskets, without waiting on IT. Describe the goal in one sentence (win back lapsed customers, lift weekend basket size) and AI builds the whole journey: audience, trigger, rule and reward. It simulates it on 7 real days so you can see how it would have performed before launch and, once live, decides on every purchase. Nothing goes live without your approval.Points and tiersCouponsMissions and triviaGamesStampsReferralsLoyalty points program →Next best action →
Points and rewards interoperability between companies: coalition programs, points exchange at each brand’s own conversion rate and redemption at partner merchants. Plus co-funded promotions: your suppliers pay part of the discount and each contribution is recorded.Loyalty coalition →
Instant cashback. Native integration with POS, processors and checkout: the reward and the refund resolve inside the authorization, in ~150 ms, and your customer sees them when paying, not days later.Loyalty at POS and checkout →Cashback at payment →
Every point is recorded as money in a double-entry ledger, and the wallet balance works as a means of payment. Every promotion has a capped budget and finance audits the program’s cost in real time.Loyalty points ledger →

Member

Member · Gold tier

Active

Last purchase

3 days ago

Average ticket

USD 42

Preferred channel

Consent

✓ Marketing

Weekend regularFuel + storeHigh value

2,000 bonus points for Gold members who spend over USD 100

PurchaseGold?+2,000 pts

Simulation · last 7 days

8 match · 42 don’tActivate

Program A

− 1,200 pts

⇄

Program B

+ 600 pts

atomic swaprate 2:1posted

Both movements are recorded in the same ledger transaction.

Purchase recorded

~150 ms

USD 20

Favorite combo −20%−USD 4

Loyalty points awarded+16 pts

Decided inside the authorization, before the receipt prints.

Promotion · Black Friday

Active

USD 30,000

SpentCommittedAvailable

Debit · program liability16

Credit · Camila’s account16

StatusRecorded

Connects with what you already have. And protects every record and every point.

Qurable connects with your point of sale, your payment method, your CRM, your marketing tools and AI agents through MCP, over a REST API and real-time webhooks. No point can be spent twice and every movement is recorded with no way to erase it. Read the documentation