Qurable vs PAR Punchh: enterprise loyalty platforms in Latin America
Resources · Comparison
Loyalty and engagement platform for restaurant brands from PAR Technology (NYSE: PAR), integrated with POS, ordering and payments, according to its website. 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.
- 01
Where the reward is decided
- Before, during or after payment
- With measured latency
- 02
How each point is recorded
- Batches, expirations, liability
- Reversals with entries
- 03
Who supports you
- A team in your region
- Your language and time zone
- 04
How long it takes
- A phased plan
- A measured pilot
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.
- 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
Key takeaways
- This comparison uses only public data about PAR Punchh, with source and date.
- Qurable decides the reward inside the payment authorization, in ~150 ms.
- Qurable's sales, product and technical teams are in the region.
The comparison
Two enterprise platforms, two starting points.
A side-by-side summary. PAR Punchh data comes from its website and press releases; sources are listed below the table.
| PAR Punchh | Qurable | |
|---|---|---|
| Origin and focus | Part of PAR Technology, an NYSE-listed company based in New Hartford, New York. Focused on restaurants and retail, according to PAR. | Loyalty and engagement platform built in Latin America |
| Presence in Latin America | Not published | Live programs in more than 6 markets in the region, with named clients in Argentina, Chile, Uruguay, Paraguay, Peru, Panama and Mexico |
| Team | Not published | Sales, product, technical and implementation teams in Latin America, in Spanish and in the client's time zone |
| Key industries | Quick-service and fast casual restaurants, according to its website. Also convenience stores such as Stinker Stores and Casey's, per PAR in 2023. | Fuel retail, restaurants and QSR, airlines, banks and fintechs, multi-brand retail and consumer goods |
| Multiple countries and currencies | PAR serves restaurants and retailers globally, according to its press release. Over 275 global brands used Punchh in 2023. Currencies: Not published. | One program with rules, currencies and liability split by country |
| Where the reward is decided | Loyalty Pay (May 2026) combines identification, rewards and payment in one step, including at the drive-thru. Latency: Not published. | Inside the payment authorization, in ~150 ms, at the POS, processor or checkout |
| Points accounting | Points post at the time of purchase. Branded digital stored value with auto-reload, according to its website. | Double-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 promotions | Marketing and offers, segmentation and campaigns. The Offers Agent creates and launches offers across loyalty and digital channels, per PAR (April 2026). | Coupon books and promotions by rule, audience, payment method or basket, with budgets, caps, A/B testing and the best promotion for each purchase |
| Coalition | Not published | Points exchange between brands at each program's rate, and co-funded promotions with each party's share recorded |
| Customer view | Guest360: a unified view of every guest, not just members, with ordering and loyalty data, according to its website. | One profile per member, recognized in store, in the app and online; personalization uses purchases from every channel |
| AI | PAR Intelligence (April 2026) with Insights, Offers and Developer Assist agents, according to PAR. | AI decision engine that segments and personalizes each customer's reward; assistant that drafts campaigns with human approval; MCP server |
| Frontends | Branded mobile apps, Smart Passes in Apple and Google Wallet with no app, QR code and drive-thru short code, according to PAR. | White-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 |
| Analysts | Not published | No analyst evaluation yet |
| Pricing | On request | On request |
Sources on PAR Punchh: PAR Punchh blog, Loyalty Pay launch, 05/07/2026 (accessed 10/09/2026) · PAR Punchh website, PAR Vision 2026 (accessed 10/09/2026) · PAR press release, PAR Intelligence, April 2026 (accessed 10/09/2026) · PAR press release, Smart Passes, December 2025 (accessed 10/09/2026) · PAR press release, Stinker Stores selects Punchh, 2023 (accessed 10/09/2026)
PAR Punchh 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 PAR Punchh'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.
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.
US restaurant chains
Over 800,000 restaurant locations run on PAR technology, with more than 400 million loyalty members, according to its website.
Loyalty and payment in one step
If you want the check-in to be the payment. Loyalty Pay is live for Punchh brands since May 2026, according to PAR.
Full PAR suite
If you already use PAR POS, ordering or payments. The platform brings those systems together with loyalty, according to PAR.
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.
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.
Airlines
SKY Plus, by SKY Airline
Points, missions, three tiers and more than 70 partnerships on a single platform.
- Market
- Chile.
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.
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.
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, PAR Punchh 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 checkoutTechnical and implementation
Engineering and support in Spanish and in your time zone; live in 1 to 3 months.
How to migrate your programMultiple countries and currencies
One program with rules, currencies and liability per country.
Enterprise loyalty in Latin America
Questions
What people ask about Qurable and PAR Punchh.
Short answers for loyalty, marketing, technology and procurement teams.
Loyalty and engagement platform for restaurant brands from PAR Technology (NYSE: PAR), integrated with POS, ordering and payments, according to its website. 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.
PAR says it serves restaurants globally, but lists no offices, clients or partners in Latin America in the sources reviewed.
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.
One that applies the reward at the pump and in the store. 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.
One that combines points, tiers and partners. 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.
Last reviewed
Further reading
Keep reading before you choose a platform.
Guides for building the shortlist and the RFP.
- ResourceLoyalty RFI, RFP and RFQ checklist
The questions to evaluate platforms, area by area.
- ResourceEnterprise loyalty in Latin America
What to require to run in several countries.
- ResourceMigrating a loyalty program
How to switch platforms without losing balances.
- IndustryLoyalty for restaurants and QSR
Mostaza's MostaClub, in three countries.
Compare against your case.
In a 45-minute technical session we show how Qurable solves your program, with a case from your industry.