Pomelo and Qurable: embedded loyalty and customer engagement, without building from scratch

Sooner or later, every successful card program adds a loyalty program. The question is not whether to build it, but how. Historically, building it separately meant months of project work, a dedicated team, and a system disconnected from the financial infrastructure. The integration between Pomelo and Qurable changes that equation: the loyalty and engagement layer is embedded in the infrastructure that processes every transaction, and the banks, fintechs, and companies issuing cards with Pomelo activate it without adding another vendor or taking on a technical project.

The global card-issuing industry is reorganizing around the same idea: the loyalty program stops being a module purchased separately and becomes a native capability of the card-issuing infrastructure. Marqeta, one of the global card-issuing platforms, is moving in that direction. In October 2023 it launched its new credit card platform with the explicit goal of "helping brands redefine customer loyalty with dynamic and embedded credit experiences" (Marqeta, official press release, October 2023).

The data behind the shift: 44% of consumers say rewards are the main factor in deciding which card stays at the top of their wallet (Marqeta, State of Payments Report 2025). For issuers in the fintech and banking industry, that means loyalty is no longer an optional add-on. It is one of the levers for winning and retaining customers.

Pomelo is the modular financial infrastructure platform that enables banks, fintechs, and companies from any industry to launch and scale payment solutions globally with a single integration. Its technology powers the issuing, processing, and management of the card business — local and global — BIN Sponsorship, tokenization, and credit core, among others. The integration with Qurable adds a loyalty and customer engagement layer to that ecosystem, available to Pomelo's clients and ready to activate without an additional project.

In practice, Pomelo's clients add a new capability to their financial infrastructure: when a bank, a fintech, or a company issues cards with Pomelo, it can also offer its end customer a loyalty program ready to configure and run, without launching a parallel project, without hiring a dedicated team to build it, and without adding implementation costs or lead time.

Sooner or later, every successful card program adds a loyalty program.

The integration with Qurable gives the banks, fintechs, and companies issuing cards with Pomelo a concrete set of capabilities to run their loyalty and engagement program:

• Campaigns configurable by merchant type, country, channel, and user segment.
• APIs to integrate points and cashback into existing payment flows, not as a separate layer.
• Points balance visible in real time on every transaction.
• Webhooks to automate events and keep all systems in sync.
• Full reporting to measure the real impact of each campaign.

The structural piece is on the integration side. Qurable runs inside the Pomelo environment, which means that when a bank, a fintech, or a company issues cards with Pomelo, it does not add another vendor to its infrastructure or negotiate an additional technical connection. The loyalty and engagement layer is already available.

That translates into short implementation times. A bank, fintech, or company that decides to activate its loyalty program does not face a months-long project with engineering cycles or a delivery calendar tied to a technical backlog. It configures the first campaigns and starts running the program.

The architecture supports two ways of running the program, depending on how each bank, fintech, or company designs it:

• Proprietary program. Points or cashback are credited in Qurable. The customer sees their balance on the institution's platform. The issuer has full control over rules and member experience.
• Cobrand program. Qurable calculates the reward and sends it to a cobrand program — for example a frequent flyer program or a brand with its own loyalty program. The customer earns in a program they already know, connected behind the scenes through Qurable.

The key piece is that the issuing bank does not have to negotiate a technical connection with each cobrand program. The network already exists. A new participant (processor, bank, or program) plugs into live infrastructure instead of building from scratch.

For processors, issuing banks, fintechs, and companies in LATAM, card issuing in the coming years will not be won on transaction cost or infrastructure speed alone. It will be won in the relationship with the customer, and that relationship is built with every payment. Global platforms saw this first. The Pomelo and Qurable integration brings it to the regional market, already in production.

Does your organization issue cards only to process volume, or to build a customer relationship in every transaction?