Enterprise loyalty platform for Latin America: what it takes to run one program across countries
Resources · Guide
An enterprise loyalty platform for Latin America lets a large company run one loyalty program across several countries from a single base: each market's currency, taxes, payment methods, language and program terminology, country-level rules, local integrations and liability by currency, with the scale, security and uptime an enterprise requires. Qurable is one such platform: it runs loyalty programs for large and mid-sized companies in more than 6 Latin American markets.
- ArgentinaARS · Local taxes
- ChileCLP · Payment methods
- MexicoMXN · Language and terms
One base
- BalancesIn local currency
- RulesBy country
- IntegrationsLocal POS and payments
- BaseOne program, one ledger
- By countryCurrency, rules, terms
- CloseLiability by currency
- 18MMembers on QurableTotal the platform manages today
- < 50 msMember recognized at checkoutp95, measured server-side
- 1–3Months to go liveWith your current program or from scratch
- 99.5%AvailabilityMonthly SLA · ISO 27001
Key takeaways
- A regional program runs several countries from one base, with each market's currency, taxes and rules.
- Copying the program country by country ends with a separate system and balance in each market.
- Fuel, restaurant, airline, retail and fintech brands run their programs on Qurable in more than 6 Latin American markets.
The difference
A platform built for one country or one built for the region.
Many loyalty programs start in one country and get copied into the next. That works until you add currencies, partners and local teams: then every country ends up with its own system, its own balance and its own report.
| Built for one country | Built for Latin America | |
|---|---|---|
| Currencies | One currency; everything else converted by hand in reports | Each country in its own currency, with point value and liability calculated in it |
| Rules | The same rules everywhere, or a separate instance per country | One program with each country's own rules, expirations and rewards |
| Payments and taxes | One processor and one tax treatment | Each market's payment methods, wallets and tax criteria |
| Language and naming | One copy for every member | Communication in each country's language, with the program name it uses |
| Integrations | A new project for every local POS, ecommerce or partner | Connectors already proven with the systems used in the region |
| Finance view | A consolidation built at month-end | Liability by currency, country and store, visible at any time |
Requirements
What a regional platform has to handle.
Seven areas separate a platform that works in one country from one that can carry a program across Latin America. Use them to evaluate any vendor.
| Requirement | What a good answer looks like |
|---|---|
| Does it run several currencies at once? | Balances, point value and redemptions in each country's currency, with no manual conversions. |
| How does it report loyalty points liability? | Split by currency and country, with projected expirations, so each subsidiary can reconcile it with its own books. |
| Does it support several programs or program currencies? | Points, cashback or other currencies, each with its own rules and its own issuance control. |
| Does it connect to each country's payment methods? | Cards, digital wallets and local processors, with the reward applied inside the payment, not afterwards. |
| How does it handle tax on rewards? | The discount or redemption recorded with the detail each country's invoice needs. Your tax team decides the treatment. |
| What happens with returns? | Full and partial reversals that return or deduct the points from the original purchase. |
| Does it speak each member's language? | Spanish, Portuguese and English across the app, emails and messages, by country and by member. |
| Does it respect the local program name? | “Club de beneficios” in Argentina, “programa de beneficios” in Chile, “programa de lealtad” in Mexico: one engine, each market's vocabulary. |
| Which regional systems is it already connected to? | POS, ecommerce, wallets, CRM and messaging used in Latin America, connected at real customers, not just listed in a catalog. |
| How does a local partner join? | Through an API, coupons or QR codes, without a new integration project for each merchant. |
| Where is each country's data stored? | Cloud and region options that meet each market's personal data rules. |
| How does it manage consent? | Consent per channel, with date and source, and deletion of personal data with an audit trail. |
| What volume does it handle in production today? | Members, transactions per second and peaks measured at customers, not lab estimates. |
| What happens to the sale if the platform is down? | The sale is never blocked in any country: earning is queued and recorded when service returns. |
| Which certifications and SLA are in force? | Certificates with their scope and date, and an explicit monthly SLA. |
| Who runs the program in each country? | Permissions by role and organization, so each subsidiary runs its own and headquarters sees the consolidated view. |
| In which hours and languages does support respond? | Support across your markets' time zones and languages, with contractual service levels. |
Country by country
One program, in each market's vocabulary.
You can run one engine; the program name, currency and payment methods change from country to country. These are common differences worth planning for from day one.
Argentina
“Club de beneficios”
Members expect instant discounts and payments with digital wallets. With prices that move fast, point value needs frequent review.
- Plan for
- Spend-based earning rules you can adjust without development.
Chile
“Programa de beneficios”
Partnerships between airlines, banks and retailers are common: members earn and redeem across many brands.
- Plan for
- Points exchange and each partner's contribution on record.
Mexico
“Programa de lealtad”
Large programs in retail, fuel and restaurants, with heavy in-store and checkout operations.
- Plan for
- Fast identification at the POS and sales that are never blocked.
Colombia and Peru
“Programa de fidelización” or “de puntos”
Programs that coexist with co-branded credit cards and partners across several categories.
- Plan for
- Rewards inside card payments and with partners.
Brazil
“Programa de fidelidade”
A different language, currency and payment methods: the market that shows whether a platform is truly regional.
- Plan for
- Portuguese copy and liability kept in reais.
How to evaluate
How to check that it's really regional.
In a pitch deck, every platform runs across Latin America. These tests show whether it does in production.
Ask for customers in several countries
Programs live in more than one market, with references you can call.
Ask to see liability by currency
A report with two countries' liability, each in its own currency, with no spreadsheets in between.
Ask for connected integrations
Which POS, wallets and ecommerce platforms in your region are already live at customers.
Ask for a rule per country
Have them set up a rule for one country in the demo without touching another.
Separate what's live from the roadmap
Certifications, SLA and deployment: what exists today, apart from what's planned.
With Qurable
One program across countries, on one platform.
Fuel, restaurant, airline, retail and fintech brands run their loyalty programs on Qurable in more than 6 Latin American markets.
Liability by currency and country
A double-entry ledger with real-time liability by currency, country and store, and several programs per brand, each with its own rules.
See the points ledgerIntegrations already live at customers
Napse (TOTVS), VTEX, Tiendanube, Mercado Pago, MODO, Pomelo, Salesforce, WhatsApp and more, with an API and webhooks for everything else.
See the platformIn the cloud and region you choose
Runs in containers, in Qurable's cloud or yours, on any provider and region. ISO 27001 certified, with a 99.5% monthly SLA.
See data and securityA coalition in production
SKY Plus runs on Qurable with more than 1.7 million active members, 70+ partnerships and 50,000 daily partner transactions.
See the SKY Plus case
FAQ
What people ask about enterprise loyalty in Latin America.
For loyalty, technology, finance and procurement teams operating in more than one country.
It's the software that runs a large company's loyalty program: members, earning and redemption rules, rewards, partners and the accounting record of every point. What sets it apart from small-business tools is scale, integration with existing systems, security, uptime and the financial control it provides.
Currency, taxes, payment methods, language and data rules all change by country. The platform has to support country-level rules and rewards within one program, liability split by currency, and integrations with local systems, without a separate instance per market.
It varies: “club de beneficios” is common in Argentina, “programa de beneficios” in Chile and “programa de lealtad” in Mexico; Colombia and Peru use “programa de fidelización” or “programa de puntos”, and Brazil “programa de fidelidade”. The concept is the same, but members respond better to the local term.
It depends on the brand. A regional program makes coalitions, consolidated reporting and operating costs easier; one per country gives more local freedom. A regional platform supports both: one engine with each country's own rules, rewards and currencies.
With the same criteria in every country: programs running in several markets, liability shown by currency, integrations already connected to local payment methods, different rules per country, and a clear line between what is live and what is roadmap. Qurable runs programs in more than 6 Latin American markets.
The usual approach is to calculate liability separately in each country's currency, with its expirations, and consolidate afterwards. This isn't accounting advice: the treatment under IFRS 15 or local standards is set by your accounting team and auditor.
Qurable has live programs in more than 6 Latin American markets. In Argentina, Shell Box, ON by Axion Energy, MostaClub and TRIBU; in Chile, SKY Airline's SKY Plus; MostaClub also in Uruguay and Paraguay; and in Mexico, Rappi's Soy Rappi ran on Qurable. The platform runs in Qurable's cloud or the client's, in the region of choice.
Yes. Qurable already has live customer integrations with Napse (TOTVS), VTEX, Tiendanube, Shopify, Mercado Pago, MODO, Pomelo, Stripe, Salesforce, Microsoft Dynamics, Braze, WhatsApp and Twilio, among others. For everything else it offers a REST API, signed webhooks and a daily data warehouse export.
Last reviewed
Further reading
Keep reading before you choose a platform.
The pages that explain each area of a regional evaluation.
- CountryLoyalty in Argentina
Benefits clubs, wallets and bank promotions.
- CountryLoyalty in Chile
Partnerships, cards and tiers, with the SKY Plus case.
- CountryLoyalty in Mexico
Loyalty program, stored value and partners.
- PlatformThe loyalty and engagement platform
Five modules that share the same profile, rules and ledger.
- ResourceLoyalty RFI, RFP and RFQ checklist
The questions to evaluate platforms, area by area.
Does your program run in more than one country?
In a 45-minute technical session we show you how Qurable runs a regional program, with a case like yours.