The handshake between Mollie and Loyyo is built on a major technical shift: transforming the standard payment process into an intelligent customer identity layer. By extracting secure tokens directly from the payment payload in real time, we can turn your shopper’s bank card into their loyalty card. By shifting to card-based loyalty and using payment-linked data, we eliminate the need for apps, plastic tags, or manual scanning, making your existing loyalty strategy invisible and effortless for the shopper.
The technical foundation is tokenisation. Every card payment can generate a secure, consistent reference within the payment payload. Historically, this kind of data has remained within the payment provider’s infrastructure; Mollie can now securely make it available to loyalty partners such as Loyyo as part of a business's loyalty setup.
Wibrand de Reij, product manager at Mollie, explains how this works in practice:
“Instead of repeatedly asking customers to identify themselves at the till, you use the secure payment token – the payment account reference (PAR) that we generate for every transaction. This allows you to automatically recognise a customer every time they return to your shop.”
For Visa and Mastercard transactions, this works through the Payment Account Reference (PAR), a standardised token that maps a customer’s card to a consistent identity across transactions. For other payment methods, Loyyo’s proprietary recognition loop securely connects online and in-person offline touchpoints later in the journey. Either way, the outcome is the same: a customer who was previously invisible becomes a recognisable profile.
The real power emerges when a customer joins your programme. In that moment, Loyyo ties their card, PAR, digital wallet, member ID, and email into a single profile, along with the number of in-store visits. So from day one, you’re building on real history, not starting from zero: you can see how often your customers visit your stores and what they spend, and grow from there.
Here is what this looks like in practice:
No apps to download: your customers do not need another icon on their home screen.
No manual scanning: the payment itself is the loyalty trigger. Customers tap and go.
One-time sign-up: once a customer links their card to your programme, all future purchases (online or in-person) are automatically tracked.
Retroactive data: anonymous visits before sign-up are merged into the customer’s profile the moment they join.
“At Loyyo, we believe loyalty should be frictionless. Thanks to our partnership with Mollie, consumers no longer need to download separate apps or scan plastic cards. Their bank card is their loyalty card. This creates a flawless checkout experience and allows retailers to build genuine, data-driven relationships from the very first transaction.” – Wouter Meeuwisse, founder and CEO of Loyyo
