One loyalty, engagement and payments platform. Five modules, one customer.
Member data, points program, coalition, payments and ledger share the same profile, the same rules and the same AI, so you know every customer and sell them more: higher frequency, better margin and a bigger basket.
What’s inside
Five modules around one shared core.
Each module solves one part of the program; the core makes sure they all see the same member, with the same rules and the same balance.
Qurable · The core they share
- Member profile
- Rules and budget
- AI decisioning
- Ledger
- [ 01 ]Agentic Data Platform
Member data
One 360 profile per member, recognized across every channel and ready at checkout in under 50 ms.360 profileUnified identityAudiencesPersonalizationCampaign recommendationsBehavior analysisCall center managementSee the module - [ 02 ]Points program and AI journeys
AI Engagement Journeys
AI journeys, rewards, promotions and gamification that move every member to their next purchase: you describe the campaign, AI builds it, you simulate it on real data and approve it.AI journeysRewards and promotionsGamificationTiers and missionsSee the module - [ 03 ]Engagement Ecosystem
Coalition and interoperability
Several brands share an audience and exchange points at each brand’s rate.Points exchangePartner redemptionCo-funded promotionsSee the module - [ 04 ]Payments
Payments
Discounts, cashback and points inside the authorization, in ~150 ms, at your POS, on your card or at checkout.POSCardWeb and app checkoutSee the module - [ 05 ]Loyalty Ledger
Ledger and cost control
Every point on a double-entry ledger, with batches, expirations and real-time liability.Double entryExpirationsLiabilitySee the module
Also on the platformCashbackAI DecisioningNext best action
Omnichannel
One member, every channel. Always the same person.
An identified member is recognized 100% of the time, in store and online: by their QR code, wallet pass or account, not by matching guesses. And every message and every reward is decided with all their purchases, in store and online.
- 100%of identified members, recognized in store and onlineBy dynamic QR code, wallet pass or account: no probabilistic matching
- Online + offlineWhat members buy in store (offline) and online, in one profileJourneys, offers, tiers and the reward at payment use both
| Channel | How it recognizes the member | What Qurable does | Connects with |
|---|---|---|---|
| Store (POS) | A QR code that changes every 30 seconds or an Apple Wallet or Google Wallet pass, in under 50 ms | Decides the discount, cashback or points inside the payment; earns and redeems | Napse (TOTVS), Oracle |
| Ecommerce | Their member account | Applies the reward at checkout and lets members pay part with points | VTEX, Shopify, Tiendanube |
| App | Their member account | Balance, tiers, missions and redemption, with pay-with-points at checkout | Qurable SDK and API |
| Payments and wallets | The connected card or wallet | Cashback and rewards inside the payment authorization | Pomelo, MODO, Mercado Pago, Stripe |
| WhatsApp, email and push | The same profile, with consent by channel | AI journeys that use in-store and online purchases | WhatsApp, Twilio, Braze, Klaviyo |
| Call center | Search by phone, email, ID or QR code | 360 member view and adjustments with dual approval | Qurable Manager |
| Partners | Your program's member | Earns and redeems at partner merchants; each partner's contribution is on the ledger | Engagement Ecosystem |
Split payment (points plus another method) works in the web and app checkout and in connected ecommerce, not at the POS.
See how the member profile comes togetherHow it works
Every purchase helps you know them better and sell them more.
It all happens while the payment is authorized, and every purchase feeds the next: the profile gets richer, the offer gets sharper and the reward protects your margin.
- < 50 ms
Knows them
Identifies the member by card, QR or account, and loads their profile and history.
Member data - ~150 ms
AI chooses the best offer
Chooses the right reward for that customer, within each campaign’s rules and budget.
AI Decisioning - At payment
Applies it
The discount, cashback or points land on the same receipt.
Payments - At capture
Records it
Every point and every contribution is posted to the ledger, and finance sees what each campaign costs.
Ledger and cost control - Next purchase
Sells them more
The profile adds this purchase, and AI journeys, missions and tiers drive the next one, with a bigger basket.
AI Engagement Journeys
What it moves in your business
- FrequencyMore purchases per customer: missions, tiers and journeys that bring them back.
- MarginThe right reward for each customer, with capped budgets and cost in view.
- Basket and TPVOffers at the moment of payment that lift average selling price (ASP) and total payment volume (TPV).
AI across the platform
You say what you want to achieve. AI builds it, tests it and waits for your OK.
AI works in three places: at payment, choosing the best offer; in your campaigns, building them from a prompt; and in your agents, which run the program over MCP. Always within your rules, your caps and your approval.
I want running members who haven't bought in 4 months to come back, without going over the campaign budget.
- BuildsRule, audience and coupons, on your catalog and your caps.
- ValidatesIf you ask for something the platform can't do, it rejects it and asks again.
- SimulatesOn the last 7 real days: how often it fires, who doesn't match and how many points it gives.
- Waits for your OKNothing that affects your members goes live without human approval.
- Leaves a traceEvery decision records what came in, what matched, what was applied and what didn't fire, and why.
Illustrative example.
Where AI works
At payment
Chooses the best offer for each customer in ~150 ms, within each campaign's rules and budget.
AI DecisioningIn your campaigns
You describe the goal in your own words and AI Engagement Journeys builds the journey, simulates it and waits for your approval.
AI journeysWith your agents
Your LLM or AI agents run the program through the MCP server, with the same permissions, the same schema and the same approval.
Agentic Data Platform
Integrations
Connects to what you already have. Without replacing your stack.
Qurable is API-first and white-label: your program ships under your brand and on your domain, and connects to what you already run.
Already live with clients
Store (POS) and payments
CRM and marketing
Ecommerce
Messaging
For everything else
- REST APIEverything in the console, also via API.
- Signed webhooksEvery program event, in real time.
- Your data warehouseDaily export of members and entries.
- MCP serverSo your AI agents can operate the program.
Your brand, wherever you need it
- Program websiteLanding page, sign-up, tiers, balance and redemption under your brand, on your domain, built from Qurable's auto-generated components.
- SDK for your app and webThe same components, inside your app or website.
- Any cloudShared or dedicated SaaS tenant, or your own cloud, on any provider.
One live example among other programs: Perfumerías Rouge's Elite Club.
See the documentationLoyalty platform RFI, RFP and RFQ checklistRelated guides
All resources- GuidePoints and rewards engine
A points engine in production is rules, balances with accounting, secure redemption, integrations and maintenance.
- GuideEnterprise loyalty in Latin America
A regional program runs several countries from one base, with each market's currency, taxes and rules.
- ComparisonQurable vs Comarch
Comarch targets global, multibrand, multiregion programs; Qurable targets Latin America.
The Platform