# 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)

## 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

## Key Articles

- [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
- [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
- [Why Loyalty Programs Fail](https://useloya.com/blogs/why-loyalty-programs-fail-cashback-solution): Analysis of loyalty program failure modes and how cashback fixes it
- [Best Loyalty Program for Small Business](https://useloya.com/blogs/best-loyalty-program-small-business): Guide to 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 with pros, cons, and ROI
- [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
- [Real-Time Cashback vs Traditional Rewards](https://useloya.com/blogs/real-time-cashback-vs-traditional-rewards): Why speed changes everything in loyalty rewards