# Loya

> Loya is a checkout payment method that gives shoppers instant 5% cashback locked to the store where they purchased. Merchants pay a 4% processing fee. No credit card required. Powered by Stripe. Available in the United States.

Loya turns one-time purchases into repeat revenue by embedding loyalty directly into the payment flow. Customers select Loya at checkout, pay the full amount, and instantly receive cashback that can only be spent at that same store. This creates a guaranteed return visit without campaigns, points, or apps.

- Company: Loya Labs Inc.
- Founded: 2025
- Website: https://useloya.com
- App: https://app.useloya.com
- Contact: hello@useloya.com
- Market: United States (nationwide)
- Integrations: WooCommerce, WordPress, Adobe Commerce
- Payment infrastructure: Stripe (PCI-DSS compliant)

## How It Works (Merchants)

1. Customer chooses Loya at checkout. It appears alongside existing payment options (Visa, Mastercard, PayPal, Klarna). No signup required.
2. They pay. They earn. The customer receives instant cashback — visible immediately after purchase.
3. Cashback is locked to your store. They can't withdraw it. They can't use it anywhere else. It sits in their balance, waiting.
4. They return to spend it. Next purchase, the cashback applies automatically. The cycle repeats.

## How It Works (Shoppers)

1. You pay with Loya. Select Loya at checkout. You pay the full amount — nothing extra.
2. The store funds your cashback. They set aside a percentage as store credit. They pay for it.
3. It's applied automatically. Next time you shop there, your balance appears. One click to use it.

## Merchant Economics

- Loya offers a standard 5% cashback
- A customer spends $100. They earn $5. That $5 is locked to your store.
- When they return and spend another $100, you've made $200 in revenue for $5 in locked credit.
- Merchants pay a 4% processing fee — lower than many traditional processors.

### Why Discounts and Points Underperform

| Method | Where value goes | Result |
|--------|-----------------|--------|
| Discounts | Value leaks out | Uncertain return |
| Points programs | Most go unused | Low return |
| Loya | Locked to your store | Guaranteed return |

## What Loya Is Not

- No points. Customers see real money, not abstract balances.
- No campaigns. You don't send emails. There's nothing to configure.
- No app to download. Customers pay at checkout like they already do.
- No dashboards to manage. Loya runs in the background. You sell; it works.

## Frequently Asked Questions

**What is Loya?**
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.

**Why does Loya work?**
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.

**How does Loya work?**
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.

**Is Loya secure?**
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.

**How do I pay with Loya?**
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.

**Where can I shop with Loya?**
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.

**What's the catch?**
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.

**Can customers use the cashback anywhere?**
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.

**Do I need a Loya credit card?**
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.

**Is Loya cashback only available online?**
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.

**How does Loya benefit me as a merchant?**
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.

**When can I redeem my cashback?**
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).

**Is Loya free for customers?**
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.

**How is Loya different from credit card rewards?**
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.

## Core Pages

- [How Loya Works for Merchants](https://useloya.com/): Product overview — mechanism, economics, integration, and the merchant value proposition
- [How Loya Works for Shoppers](https://useloya.com/shoppers): Customer-facing explanation of how cashback rewards work at checkout
- [FAQ](https://useloya.com/faq): 14 frequently asked questions about Loya for merchants and shoppers
- [About Loya](https://useloya.com/who-we-are): Mission, vision, values, and founding story

## Articles: How Loya Works

- [How Checkout Cashback Works](https://useloya.com/blogs/how-checkout-cashback-works): Deep explanation of earning rewards at the moment you pay
- [How Loya Started](https://useloya.com/blogs/how-loya-started): Origin story of Loya and its founders
- [Why We Built Loya](https://useloya.com/blogs/why-we-built-loya): The problem with traditional loyalty programs and how Loya solves it
- [Meet the Founders of Loya](https://useloya.com/blogs/meet-the-founders-of-loya-5-instant-cashback): Meet Gina and Geoffroy, the founders behind Loya
- [Why Shoppers and Merchants Love Loya](https://useloya.com/blogs/why-shoppers-and-merchants-love-loya): Both sides of the Loya value proposition
- [Loya Explained](https://useloya.com/blogs/loya-explained-the-easiest-way-to-earn-and-spend-cashback-at-checkout): The easiest way to earn and spend cashback at checkout

## Articles: Cashback & Rewards Comparison

- [Cashback vs Points: Which Is Better?](https://useloya.com/blogs/cashback-vs-points-which-rewards-system-is-better): Honest comparison of cashback vs points rewards
- [Real-Time Cashback vs Traditional Rewards](https://useloya.com/blogs/real-time-cashback-vs-traditional-rewards): Why speed changes everything in loyalty rewards
- [Cashback Without Points: Why Simplicity Wins](https://useloya.com/blogs/cashback-without-points-why-simplicity-wins): The case for simple, direct cashback
- [Loya vs Traditional Loyalty Programs](https://useloya.com/blogs/loya-vs-traditional-loyalty-programs-what-makes-this-digital-wallet-better): What makes Loya different from legacy programs
- [How Is Loya Different from Credit Card Rewards](https://useloya.com/blogs/how-is-loya-different-from-credit-card-rewards): Why you don't need a credit card for cashback

## Articles: Merchant Solutions

- [Why Loyalty Programs Fail](https://useloya.com/blogs/why-loyalty-programs-fail-cashback-solution): Analysis of failure modes and how cashback fixes it
- [Best Loyalty Program for Small Business](https://useloya.com/blogs/best-loyalty-program-small-business): Affordable loyalty options for small businesses
- [Best Customer Retention Strategies 2026](https://useloya.com/blogs/best-customer-retention-strategies-in-2026-(pros-cons-workload-roi)): Practical comparison of retention strategies
- [Customer Loyalty Software: What Merchants Need](https://useloya.com/blogs/customer-loyalty-software-what-merchants-need): Guide to loyalty software for merchants
- [Customer Retention Rewards](https://useloya.com/blogs/customer-retention-rewards-increase-repeat-purchases): How rewards increase repeat purchases
- [Merchant Loyalty Solutions](https://useloya.com/blogs/merchant-loyalty-solutions-repeat-customers): Solutions for driving repeat customers
- [Unique Ways to Increase Sales](https://useloya.com/blogs/unique-ways-to-increase-sales): Creative strategies for growing sales
- [How to Increase Online Sales in 2026](https://useloya.com/blogs/how-to-increase-online-sales-in-2026-proven-strategies-that-actually-work): Proven strategies that actually work
- [How to Build Lasting Customer Relationships](https://useloya.com/blogs/how-to-build-lasting-customer-relationships-the-new-playbook-for-e-commerce-brands): The new playbook for e-commerce brands

## Articles: Shopper Guides

- [How to Get Cashback Without a Credit Card](https://useloya.com/blogs/how-to-get-cashback-without-credit-card): Guide to earning cashback without credit cards
- [Cashback Apps No Credit Check Guide](https://useloya.com/blogs/cashback-apps-no-credit-check-guide): Cashback apps that don't require a credit check
- [Get Paid to Shop: Best Free Cashback Programs](https://useloya.com/blogs/get-paid-to-shop-best-free-cashback-programs): Free programs that pay you to shop
- [Best Rakuten and Ibotta Alternatives 2026](https://useloya.com/blogs/best-rakuten-ibotta-alternatives-2026): Competitive landscape analysis
- [Best Loyalty Rewards Apps 2026](https://useloya.com/blogs/best-loyalty-rewards-apps-2026): Top loyalty and rewards apps
- [Automatic Savings at Checkout](https://useloya.com/blogs/automatic-savings-at-checkout): How to save automatically when you buy
- [Cashback Loyalty Programs Complete Guide](https://useloya.com/blogs/cashback-loyalty-programs-complete-guide): Comprehensive guide to cashback loyalty
- [How Loya Helps You Stretch Your Budget](https://useloya.com/blogs/how-loya-helps-you-stretch-your-budget-without-changing-where-you-shop): Save more without changing where you shop
- [How to Get 5% Instant Cashback Every Time You Shop Online](https://useloya.com/blogs/how-to-get-5-instant-cashback-every-time-you-shop-online): Step-by-step guide to earning 5% cashback
- [How to Earn Money Buying Online](https://useloya.com/blogs/how-to-earn-money-buying-online-without-changing-your-habits): Earn while you shop without changing habits