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Qurable vs Comarch: enterprise loyalty platforms in Latin America

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Comarch and Qurable are enterprise loyalty platforms. Comarch is a global vendor that Forrester describes as best suited for «global, multibrand, multiregion enterprises». Qurable is a loyalty platform built in Latin America that decides the reward inside the payment authorization, in ~150 ms, with live programs in more than 6 markets in the region.

Updated · 9 min read

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Latin America, live

Fuel, quick-service, retail, airline and payments programs already run on Qurable.

Shell Box, ON by Axion Energy, Mostaza's MostaClub, Grupo Dabra's TRIBU and SKY Plus, among others. Figures come from published cases.

Read the TRIBU caseSee all cases
  • 550,000Monthly active usersON by Axion Energy
  • +1MMembers in the first yearTRIBU, by Grupo Dabra
  • 45 daysTo go liveTRIBU, by Grupo Dabra
  • 3 countriesIn a single launchMostaClub: Argentina, Uruguay and Paraguay

Programs running on Qurable

  • Shell Box
  • ON de Axion Energy
  • Mostaza
  • TRIBU
  • SKY Airline
  • Pomelo
  • Banco Santander
  • Banisi
  • Rappi
  • CU Travel
See the cases

Key takeaways

  1. Comarch targets global, multibrand, multiregion programs; Qurable targets Latin America.
  2. Qurable decides the reward inside the payment authorization, in ~150 ms.
  3. Qurable's sales, product and technical teams are in the region.

The comparison

Two enterprise platforms, two starting points.

A side-by-side summary. Comarch data comes from its website and press releases; sources are listed below the table.

Comparison between Comarch and Qurable
ComarchQurable
Origin and focusGlobal software company headquartered in Poland; loyalty is one of its product linesLoyalty and engagement platform built in Latin America
Presence in Latin AmericaIts website lists offices in Santiago, Mexico City, São Paulo, Bogotá and Panama; it does not publish named loyalty clients in the regionLive programs in more than 6 markets in the region, with named clients in Argentina, Chile, Uruguay, Paraguay, Peru, Panama and Mexico
TeamNot publishedSales, product, technical and implementation teams in Latin America, in Spanish and in the client's time zone
Key industriesAirlines, fuel retail and financial services, according to ForresterFuel retail, restaurants and QSR, airlines, banks and fintechs, multi-brand retail and consumer goods
Multiple countries and currenciesBuilt for multiregion programs, according to ForresterOne program with rules, currencies and liability split by country
Where the reward is decidedNot publishedInside the payment authorization, in ~150 ms, at the POS, processor or checkout
Points accountingNot publishedDouble-entry ledger: every credit is a batch with its own expiration; FIFO, FEFO or LIFO consumption; overdraft and clawback with recorded debt; real-time liability by currency and country
Coupons and promotionsNot publishedCoupon books and promotions by rule, audience, payment method or basket, with budgets, caps, A/B testing and the best promotion for each purchase
CoalitionNot publishedPoints exchange between brands at each program's rate, and co-funded promotions with each party's share recorded
Customer viewNot publishedOne profile per member, recognized in store, in the app and online; personalization uses purchases from every channel
AIRoadmap focused on automation and AI, according to ForresterAI decision engine that segments and personalizes each customer's reward; assistant that drafts campaigns with human approval; MCP server
FrontendsNot publishedWhite-label components and SDKs for the client's app and website; Pomelo and Credit Union Travel offer loyalty with Qurable behind it, run from their own console
AnalystsStrong Performer in The Forrester Wave: Loyalty Platforms, Q4 2025No analyst evaluation yet
PricingOn requestOn request

Sources on Comarch: Comarch, Forrester Wave Loyalty Platforms Q4 2025 (12/09/2025) · Comarch, worldwide offices (accessed 10/09/2026)

Comarch is a trademark of its owner. This comparison uses public information available as of October 9, 2026. «Not published» means we did not find the data in Comarch's public sources. If something is out of date, write to us and we will correct it.

When each one fits

The choice depends on where your program lives.

Both are enterprise platforms. The difference is geographic scope, where the reward is decided and who supports the program.

  • The reward belongs in the payment

    You want customers to see it at the register, on the card or at checkout, not days later.

  • You want a team in the region

    Sales, product and technical teams in Latin America, in your language and time zone.

  • You run a coalition

    Points exchange between brands and co-funded promotions, with each party's share on the ledger.

  • Finance controls liability

    Batches with expirations, FIFO or FEFO consumption and every movement auditable.

  • Marketing runs complex promotions

    By payment method, basket, audience or supplier, without asking engineering for changes.

  • You need to move fast

    Implementation in 1 to 3 months, in phases, in your cloud or ours.

  • Your program is global

    Many brands and regions outside Latin America, the profile Forrester gives it.

  • You are a global airline

    Comarch has a long track record with airlines worldwide.

  • You require analyst coverage

    Comarch is a Strong Performer in the Forrester Wave Q4 2025.

  • Integrate with your stack

    CRM, marketing, POS and ecommerce, without replacing what already works.

  • See it all in production

    Ask for named cases in your industry and country, not just logos.

  • Measure against a control group

    To know how much more the program sold, not just how many rewards it gave.

By industry

Programs that already run on Qurable.

Named clients in every industry we serve, with the cases we have published.

  • Fuel retail

    Shell Box and ON by Axion Energy

    The Shell Box and ON by Axion Energy programs run on Qurable in Argentina.

    Result
    ON: 550,000 monthly active users.
    Read the case

  • Restaurants and QSR

    Mostaza's MostaClub

    A program launched in three countries at once, with the reward applied at the register.

    Markets
    Argentina, Uruguay and Paraguay.
    Read the case

  • Airlines

    SKY Plus, by SKY Airline

    Points, missions, three tiers and more than 70 partnerships on a single platform.

    Market
    Chile.
    Read the case

  • Banks and fintechs

    Pomelo, Santander Peru, Banisi and Konfío

    Cashback and points decided inside the card authorization. At Pomelo, Qurable works as a white-label platform: clients always operate from Pomelo's console.

    Status
    Live.
    Loyalty for banks and fintechs

  • Multi-brand retail

    TRIBU, by Grupo Dabra

    One program for Dexter, Moov and Stock Center, in store and online.

    Result
    More than 1 million members in the first year.
    Read the case

  • Travel rewards

    Credit Union Travel

    A white-label travel rewards platform for credit unions, built on Qurable.

    Market
    United States.

How to evaluate

Six questions for any vendor.

Use them to compare Qurable, Comarch or any other platform in an RFP.

  • Where is the reward decided?

    Before, during or after payment, and with what measured latency.

  • How is each point recorded?

    Real-time liability, expirations per batch and reversals with entries.

  • What if the service does not respond?

    The sale should never be blocked.

  • Does it have clients in my country and industry?

    Ask for named cases, not just logos.

  • How long until it goes live?

    With a phased plan and a measured pilot.

  • Where does my data run?

    In the vendor's cloud or yours, and in which region.

Built in Latin America

A team in the region, from sale to operations.

The people who sell, design the product, implement it and run it with your team are in Latin America. Product decisions are made around the region's payment methods, POS systems and currencies.

  • Sales

    Account executives in Argentina and Chile, and soon in Mexico.

  • Product

    A roadmap built for the region: local POS systems, wallets and processors such as MODO, Mercado Pago and Pomelo.

    Loyalty at the POS and checkout

  • Technical and implementation

    Engineering and support in Spanish and in your time zone; live in 1 to 3 months.

    How to migrate your program

  • Multiple countries and currencies

    One program with rules, currencies and liability per country.

    Enterprise loyalty in Latin America

Questions

What people ask about Qurable and Comarch.

Short answers for loyalty, marketing, technology and procurement teams.

Comarch is a global vendor for multibrand, multiregion programs. Qurable is a Latin American platform that decides the reward inside the payment authorization, in ~150 ms; supports coalitions and points interoperability between brands; unifies the member from store, app and ecommerce in one profile; segments and personalizes with an AI decision engine, and provides white-label components for your app and website. It runs programs in more than 6 markets in the region.

Its website lists offices in Santiago, Mexico City, São Paulo, Bogotá and Panama. It does not publish named loyalty clients in the region.

Yes. Its sales, product, technical and implementation teams are in the region, working in Spanish and in the client's time zone.

Yes. Pomelo offers points and cashback to its clients with Qurable behind it, and they always operate from Pomelo's console. Credit Union Travel offers travel rewards to US credit unions, also built on Qurable.

Both work with fuel retail. In the region, Qurable runs the Shell Box and ON by Axion Energy programs in Argentina, with the reward applied at payment.

One that applies the reward at the register, before the receipt. Qurable runs Mostaza's MostaClub in Argentina, Uruguay and Paraguay.

Comarch has a global track record with airlines. In the region, Qurable runs SKY Airline's SKY Plus in Chile, with points, missions, three tiers and more than 70 partnerships.

One that decides cashback or points inside the card authorization. Qurable does it live with Pomelo, Santander Peru, Banisi and Konfío.

One that recognizes the same member across every brand. Qurable runs Grupo Dabra's TRIBU for Dexter, Moov and Stock Center.

Yes. Migration moves balances, tiers and expirations from another platform without losing balances, following a phased plan.

Not necessarily. Qurable can integrate with your CRM and marketing stack, such as Salesforce, Microsoft Dynamics, Braze or Klaviyo, through APIs and webhooks.

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Further reading

Guides for building the shortlist and the RFP.

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