Points & Wallet Overview
Current engine (LE 2025)
This section covers Points & Wallet in the current engine, where points campaigns are standalone entities with full condition and effect flexibility. For the legacy engine, see Points & Wallet — Legacy.
What is the Points & Wallet module?
Points & Wallet is Loyal Guru's balance earning and redemption engine. It gives loyalty and marketing teams complete control over how customers accumulate and spend balance — from a simple 1 pt per €1 base earn rate to complex tier-gated category bonuses and birthday rewards.
A points campaign is configured once (when to award, who qualifies, how much, when it expires). When the campaign's event fires, Loyal Guru evaluates all active campaigns against the customer and cart in real time. No distribution step is needed for most campaigns — they fire automatically.
The balance can be redeemed as cashback at checkout, from the rewards catalog, via coupon exchange, or through donation.
What you can do
| Campaign type | Example |
|---|---|
| Base earn on purchase | 1 pt per €1 on all purchases for all loyalty members |
| Category bonus | 3x points on Electronics every Tuesday |
| Tier multiplier | Gold members earn 2x on all categories |
| Birthday reward | 500 pts when the birthday trigger is launched for the customer |
| Welcome bonus | 200 pts when a customer creates a profile |
| Partner purchase | 1% wallet credit when paying with the co-branded card |
| Custom event | Pts per km synced from a fitness app |
| Manual grant | Operator-assigned pts for customer service resolution |
Earning models
Every points campaign awards balance in one of two modes, set at the company level:
| Mode | Balance type | Display | Best for |
|---|---|---|---|
| Points | Integer points | "1,250 pts" | Traditional loyalty programs with a points currency |
| Money wallet | Monetary wallet | "€8.30" | Wallet programs where earned value is in currency (e.g. club offers) |
Both modes use the same campaign structure and API. See Earning Methods for full details.
How It Works
- A points campaign is configured in Loyalty and Promotional engine → Points & Wallet → New Rule in the Owner App.
- When a customer triggers the campaign event (purchase, trigger, custom event), the engine evaluates all active campaigns against the cart and customer context.
- Qualifying campaigns fire and award balance. Points enter the lifecycle: pending (if activation delay > 0) → active → spent or expired.
- Tiers can gate campaigns or multiply earning rates, evaluated in real time after each transaction.
- Customers burn balance as cashback at checkout (
cashback_score_desiredonPOST /carts), from the rewards catalog, via coupons, or through donation.
Configuration
Go to Loyalty and Promotional engine → Points & Wallet → New Rule in the Owner App. The creation flow covers:
- Description — name, currency, category, recurrence, and availability dates.
- Event — what triggers the campaign (Cart, Trigger, Custom event, or Direct assignment).
- Conditions & Effect — who qualifies (victory conditions) and how much they earn (effect type, value, distribution).
For the full step-by-step guide, see Create a Points Campaign.
In this section
| Page | What it covers |
|---|---|
| Points Campaign Types | Effect mechanics: Ratio, Direct Value, Percentage; Points vs Wallet overview |
| Create a Points Campaign | Event types, effect types, distribution, audience rules, worked examples |
| Simulate and Apply Points | Preview points, wallet accrual, and cashback; commit the result on confirmed carts |
| Earning Methods | Points vs money wallet — effect value formats and cashback rate |
| Burning Methods | Cashback at checkout, rewards catalog, coupons, donation |
| Cashback | cashback_score_desired, simulate flow, thresholds, configurable combined discount cap |
| Points Expiration | Activation delay, expiration models, FIFO spend |
| Limits | Win limits (per day/month/year), budget caps, per-transaction caps |
| Stackability | Combining multiple campaigns and priority rules |
| Returns | Partial returns, full cancellations, cashback restoration |
| Multicurrency | Multi-country programs, exchange rate formula |
| Integrations | GET /points response, rule_conditions, rule_effects JSON reference |