Frequently asked questions

Loya is a payment method that turns every purchase into a loyalty opportunity. When customers pay with Loya, they earn instant cashback that can only be used at your store on their next purchase—guaranteeing repeat visits.

Loya works because it creates a psychological commitment. When customers have store-locked cashback waiting, they’re naturally drawn back to use it. This is far more effective than generic points or discounts that can be used anywhere.

Customers select Loya as their payment method at checkout. They pay the full amount, and a percentage is instantly credited to their Loya wallet—locked to your store. On their next visit, they see their balance and are incentivized to return.

Yes, Loya uses bank-level encryption and security protocols. All transactions are processed through secure payment networks, and customer data is protected according to PCI-DSS standards.

At checkout, simply select Loya as your payment method. You can link your preferred payment source (card, bank account) and complete the purchase. Your cashback is credited instantly.

Loya is available at participating merchants who have integrated Loya into their checkout. Look for the Loya payment option at checkout to start earning store-locked cashback.

There’s no catch. Merchants pay a competitive processing fee (4%), which is lower than many traditional processors. The difference is that Loya helps drive repeat purchases, making it a marketing tool as well as a payment processor.

No — and that’s the point. Loya cashback is store-locked, meaning it can only be redeemed at the store where it was earned. This guarantees that every cashback reward drives a return visit to your store, not a competitor’s.

No. Loya is a payment method, not a credit card. Customers can pay using their existing cards or bank accounts through Loya at checkout. There’s no credit check, no application, and no new card to carry.

Loya is currently designed for e-commerce and online stores. If you run a WooCommerce or supported online store, you can integrate Loya at checkout to start offering store-locked cashback to your customers.

By simply adding one additional payment method, you can increase retention rates, grow average basket size, boost visibility organically and drive sales without offering margin-killing discounts. Integration is seamless, with no upfront or setup costs and no risks. The best part: it's all automatic, so you have no work to do for this.

Immediately. Your cashback is credited the exact moment you complete your payment. There's no waiting period; it's ready to use on your very next purchase as soon as you'd like (and you'll earn another 5% cashback on that purchase as well). The sooner you shop again, the sooner you can enjoy your savings.

Yes, completely free. You pay exactly as you would with any other checkout option. There are no hidden charges, no fine print and no subscriptions, just real cashback on your purchases.

Loya gives you real cashback instantly, not points or complicated redemption criteria. There's no waiting period, no minimum thresholds, no tiers and no specific card required. You earn from your very first purchase, and your cashback is ready to use immediately.