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Qurable vs SAP Emarsys: loyalty and engagement platforms in Latin America

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SAP's omnichannel engagement platform, renamed SAP Engagement Cloud in February 2026, with a loyalty module for B2C brands, according to SAP. 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 · 10 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. This comparison uses only public data about SAP Emarsys, with source and date.
  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. SAP Emarsys data comes from its website and press releases; sources are listed below the table.

Comparison between SAP Emarsys and Qurable
SAP EmarsysQurable
Origin and focusAn SAP product (Germany). Emarsys was renamed SAP Engagement Cloud on 02/19/2026, along with an Enterprise Edition, according to SAP News.Loyalty and engagement platform built in Latin America
Presence in Latin AmericaPublished case with Blue Star Group (Todomoda), an accessories retailer in 10 countries in the region, according to its website (updated 2026). Innovasport is listed as a loyalty customer.Live programs in more than 6 markets in the region, with named clients in Argentina, Chile, Uruguay, Paraguay, Peru, Panama and Mexico
TeamIts own adoption and implementation teams delivered the Blue Star Group project, according to its website. Offices in the region: Not published.Sales, product, technical and implementation teams in Latin America, in Spanish and in the client's time zone
Key industriesRetail, e-commerce, consumer products, travel and hospitality, sports and entertainment, media and communications, according to its loyalty page.Fuel retail, restaurants and QSR, airlines, banks and fintechs, multi-brand retail and consumer goods
Multiple countries and currenciesThe Enterprise Edition lets headquarters set global standards while local teams run their own promotions, according to SAP. Blue Star Group uses market-specific loyalty portfolios.One program with rules, currencies and liability split by country
Where the reward is decidedEngages in real time through web tracking and APIs, and ties messages to operational events such as stockouts, according to SAP.Inside the payment authorization, in ~150 ms, at the POS, processor or checkout
Points accountingPrograms with points, tiers and statuses, plus expiring-points alerts, according to its loyalty page.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 promotionsPersonalized offers and rewards, early access, and vouchers in mobile wallets, according to its loyalty page.Coupon 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 viewCustomer Data unifies business data sources. Channels: email, web, SMS, app, WhatsApp, wallet, in-store and call center, according to its website.One profile per member, recognized in store, in the app and online; personalization uses purchases from every channel
AIAI Marketing for prediction, automation and personalization, AI-generated creative, and prebuilt AI loyalty tactics, according to SAP.AI decision engine that segments and personalizes each customer's reward; assistant that drafts campaigns with human approval; MCP server
FrontendsLoyalty cards in mobile and web wallets, APIs and open data access, according to SAP.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
AnalystsLeader in the IDC MarketScape Worldwide Agentic Marketing for B2C Enterprises 2026. Recognized in the 2026 Gartner Magic Quadrant for Personalization Engines, according to SAP.No analyst evaluation yet
PricingOn requestOn request

Sources on SAP Emarsys: Emarsys website, Blue Star Group case (accessed 10/09/2026) · Emarsys website, loyalty page (accessed 10/09/2026) · SAP News, rename to SAP Engagement Cloud, 02/19/2026 (accessed 10/09/2026) · SAP, SAP Emarsys features (accessed 10/09/2026)

SAP Emarsys 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 SAP Emarsys'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.

One is an engagement platform and the other a payment-native loyalty platform. Many brands use both, integrated.

  • 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.

  • Omnichannel retail across countries

    Blue Star Group unified online and offline profiles and added 554,120 contacts to its program in six months, according to its website.

  • Companies already on SAP

    Offers direct integrations with SAP S/4HANA and SAP Customer Experience, according to SAP.

  • Omnichannel marketing with loyalty

    Uses tiers, points and rewards inside personalized campaigns across email, web, app and store, according to its website.

  • 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, SAP Emarsys 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 SAP Emarsys.

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

SAP's omnichannel engagement platform, renamed SAP Engagement Cloud in February 2026, with a loyalty module for B2C brands, according to SAP. 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.

Yes. It publishes a case with Blue Star Group, which operates in 10 countries in the region, and lists Innovasport as a loyalty customer, according to its website (2026).

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.

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Further reading

Guides for building the shortlist and the RFP.

Compare against your case.

In a 45-minute technical session we show how Qurable solves your program, with a case from your industry.

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