Design a rewards programme on your own terms: points and cashback on spends, onboarding, referrals and the take-up of new products, redeemed on services inside your app. Every rule is yours to set, so customers use your app more and your revenue grows with them.
Unified Financial Operating System for Banks
Build Loyalty, Boost Retention
Customised loyalty programme designed to match your app’s offerings
Dedicated reward redemption account
Redemption account statement for tracking, inside your app
Define how redeemed reward points are used
Points and cashback on everyday payments, with four tiers from Bronze to Platinum
Rules, limits and a liability cap set on the Partner portal
Loyalty That Grows Usage and Revenue
Customised Loyalty Programmes
Earn and Track Reward Points on the Services in Your App
Redeem Earned Points in a Dedicated Redemption Account
Define How Redeemed Points Are Used
Boost Engagement and Revenue with Rewa
Reward
Redemptions
Usage of Redeemed Points
A Reason to Open Your App Every Day
Customers see their points grow with each payment and come back to spend them. Every visit is a session in your app, under your brand.
01
Earn points
On card spend, ScanPay, bills, salary credits, on-time loan repayments and referrals.
02
Cashback is cash
Airtime and data cashback lands in the account that paid, kept apart from points.
03
Tiers
Bronze, Silver, Gold and Platinum. Each tier earns more on the same spend.
04
Offers
Double-points weekends and other multipliers your team switches on.
05
History
Every point earned, redeemed or expired shows in the app and on the statement.
Earn Rules, Tailor-Made for Your Bank
Every rule is configurable on the Partner portal, under maker-checker and signed with the UNIFOS portal PIN. The values below only illustrate one programme you could set up; your team sets each one within the range shown.
Card purchases
1 point per ₦100 settled
Your team can set: 0.5 to 2 points per ₦100; a monthly cap per customer
Fuel, grocery and dining
×2, up to 5,000 points a month
Your team can set: ×1 to ×3; a cap of 1,000 to 20,000 points
Online card spend
Off
Your team can set: up to ×1.5
ScanPay and POS payments
1 point per ₦100, up to 5,000 a month
Your team can set: 0.5 to 2 points per ₦100; merchant-funded offers
Bill payments
5 points each, up to 200 a month
Your team can set: 0 to 50 points each
Airtime and data
Cashback instead: 2% on airtime, 1% on data
Your team can set: 0 to 3% cashback
Milestones
Account opened 200 · first payment 1,000 · KYC upgrade 500 · card activated 500
Your team can set: each on or off, up to twice the example value
Loans and salary
On-time instalment 20 · loan cleared 500 · salary credit 100 a month
Your team can set: 0 to twice the example value
Referral
1,500 on the friend’s first payment (off in this example)
Your team can set: 0 to 3,000; a monthly cap
Tiers
Bronze, Silver, Gold and Platinum: ×1.0 to ×1.5
Your team can set: thresholds; multipliers up to ×2.0
Typically excluded
- Transfers to other people or between own accounts
- Cash advances, quasi-cash and gambling
- Fees and interest
- Both points and cashback on one bill
- No draws or prizes, in line with regulatory rules
Redeem and protect
- Example bands: 1,000 points = ₦500, 5,000 = ₦2,600, 20,000 = ₦11,000
- Cash to the account, or airtime, data and bills with the account covering any balance
- Points expire after the period you set, for example 12 months
- Points clawed back automatically when a payment is reversed
- A liability cap on points outstanding
Exclusions, redemption rates, point life and the liability cap shown here are examples too: your team sets each of them on the Partner portal, under maker-checker.
Your Rules, Your Limits, Your Liability Cap
Your team runs the whole programme from the Partner portal. Every change goes through maker-checker: the maker submits it with the UNIFOS portal PIN, and the checker sees the old and new values before signing.
Earn rules
Per amount, per event or as a multiplier, with exclusions and caps.
Who funds it
Each rule names who pays: your bank, or the merchant for its own offers.
Programme limits
Conversion rate, point life, minimum redemption and a liability cap.
Redemption catalogue
Airtime, data, bills and cash, with the cost of each item.
Members
Balances and history, with manual awards and redemptions signed by PIN.
Lasting Value for Banks Across Africa
Rewa helps banks and fintechs boost usage and revenue with a customised loyalty programme. Microfinance banks and fintechs run it in their Standalone App. Commercial banks add it to the app they already have through the UNIFOS Super SDK. Both run on the same engine, the same rules and the same Partner portal.
Explore Other Products
- BALANCE · Digital Banking
- Digital and business accounts
- Credit card and prepaid card accounts
- Loan accounts
- Reward points and redemption accounts
- ScanPay · Pay by QR
- Any merchant’s interoperable QR, any bank
- Static and dynamic QR codes
- Instacard, BALANCE account or another bank’s card
- Checkout on merchant sites
- Accepto · Merchant Acceptance
- SoftPOS for contactless payments
- POS terminals
- Payment links and online checkout
- Digital business accounts for settlement
- Instacard · Virtual & Universal Cards
- Virtual and physical card issuance
- Debit, credit, prepaid and gift cards
- Universal card
- Dynamic CVV for online payments
- Contactless payments with virtual cards
- Ace · AI Credit Exchange
- Three-way underwriting with an AI Checker
- Loan and credit card origination
- Portfolio management
- Collections and repayments
- Fundu · Agency Banking
- Cash deposits and withdrawals
- Bills, airtime and data
- Universal card pick-up
- Verified agents only
- Verifyed · KYC & Soft Token
- KYC management
- Liveness detection and face match
- BVN, NIN and ID verification
- Business and address verification
- Soft token issuance for 2FA
- Guida · In-App Assistant
- Understands requests in multiple languages
- Guides customers through every product
- Tickets for disputes, tracked to resolution
Frequently Asked Questions
Rewa lets you design and configure the programme logic on the Partner portal. Common triggers include card spend, ScanPay and POS payments, bill payments, salary credits, milestones and referrals. Transfers, cash advances, gambling, fees and interest never earn.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.