Loya gives ecommerce shoppers instant, store-locked cashback at checkout, turning one-time purchases into repeat business for merchants.
Category
Payments
Pricing
Pricing is not publicly disclosed on the website; contact Loya for current plans.
Verified
Not yet
Last updated
August 5, 2026
SaaSWeb App
Loya positions itself as a payment method built for customer retention rather than pure transaction processing. Per its homepage, Loya lets ecommerce merchants offer shoppers instant cashback at checkout that is "store-locked" — redeemable only back at the same merchant — designed to turn a one-time purchase into an incentive for a repeat visit. The company frames every payment as a retention opportunity ("Every payment is a retention decision") and describes its underlying philosophy as building payments around merchant–shopper relationships rather than just processing transactions ("Payments should build relationships, not just process transactions"). The shopper-facing explanation is kept simple — "Pay with Loya. Get money back." — and the site also includes a blog and a dedicated FAQ page, suggesting the product is aimed at ecommerce/DTC brands looking to lift repeat-purchase rates through a checkout-native cashback mechanic rather than a separate points-based loyalty program.
Key Features
Checkout Cashback — Gives shoppers instant cashback at checkout as a payment method.
Store-Locked Rewards — Cashback is redeemable only back at the same merchant, incentivizing repeat purchases.
Pros & Cons
Pros
Bakes the loyalty/cashback incentive directly into the checkout flow instead of requiring a separate rewards program shoppers must opt into.
Store-locked cashback design specifically rewards a return visit to the same merchant rather than being redeemable anywhere, aligning the incentive with repeat-purchase behavior.
Simple, easy-to-explain value proposition for both merchants (retention) and shoppers ("pay with Loya, get money back").
Cons
No pricing information, plans, or fee structure were found in the crawled evidence, making it hard to evaluate cost before contacting the company.
No confirmed list of ecommerce platform integrations (e.g., Shopify, WooCommerce) was found, so compatibility with a merchant's existing checkout stack is unclear.
Basic company facts — founding year, headquarters, and team size — are not disclosed on the crawled pages.
Frequently Asked Questions
What is Loya?
Loya is a checkout payment method that gives ecommerce shoppers instant, store-locked cashback on purchases, designed to turn one-time buyers into repeat customers.
How does Loya's cashback work?
Cashback is "store-locked" — redeemable only back at the same merchant — so it functions as an incentive for a return visit rather than a general-purpose reward.