01 Two products, one ledger
One platform. Two front doors.
Luup Pay Wallet is the app shoppers keep. Luup Pay Checkout is the button stores add. Both run on the same Luup platform, so a payment at checkout and a reward in the wallet are one entry in one ledger.
Layer 3Luup PayWallet app for shoppers · Checkout for stores
LedgerLuup WalletRoyalties engineCheckoutMerchant toolsRisk
Layer 2Luup platformBuilt and run by Luup
AccountsLicensed partnerHolds and safeguards customer money
CardsCard issuerIssues the Luup Pay Visa card
AcquiringPayments partnerProcesses cards, Apple Pay and Google Pay
SettlementMerchant payoutsPays stores into their business account
Luup PayWhat shoppers and merchants see and touch.
Luup platformThe ledger, the Luup Wallet and the royalties engine behind both products.
Partner layerFor the wallet: accounts and safeguarding, card issuing and payouts.
02 How a payment moves
From one tap to a paid merchant.
A shopper taps Pay with Luup. The payment is authorised and processed by the payments partner, the merchant is settled, and Luup books the shopper's cashback and any royalties in the same moment.
Shopper
Luup Pay Checkout
Payments partnerauthorise and processMerchantsettled payout
Luup ledgercashback and royalties
What the shopper gets
- One button that takes cards, Apple Pay, Google Pay and Luup balances
- A Luup account created at checkout, with no form
- Cashback booked to their Luup Wallet on every order
- A share link that earns royalties when friends buy
What the merchant gets
- One integration: plugins for the major store platforms, plus an API
- Every buyer becomes a reachable Luup member
- Royalties paid only on sales that actually happen
- Payments, payouts, members and royalties in one dashboard
03 The Luup Wallet loop
Money that comes back and stays in the loop.
Cashback and royalties land in the shopper's Luup Wallet. They spend it across Luup One, the ecosystem of brands on Luup, which brings them back to stores that run Luup Pay Checkout.
01BuyPay with Luup at any Luup Pay store
02EarnCashback lands in the Luup Wallet
03ShareFriends buy through your link, royalties land too
04SpendUse the Luup Wallet across Luup One
2ways to earn: cashback and royalties
1Luup Wallet for every reward
0points to convert or expire
04 Where partners fit
We build the experience. You power the money.
Luup Pay is designed to plug into licensed partners. Each product needs a small, clear set of regulated services underneath it.
Luup Pay WalletLuup Pay Checkout
Accounts and safeguardingNeededMerchant settlement only
Multi-currency accountsUSD, GBP, EUR, AEDSettlement in local currency
Card issuingVisa, virtual and metalNot needed
Acquiring and processingFor card top upsNeeded
Apple Pay and Google PayTo spendTo accept
Payouts and transfersSend, withdrawMerchant payouts
Identity and money laundering checksShoppersMerchants
Built by LuupApp, ledger, Luup WalletButton, dashboard, royalties
05 Roadmap
Checkout first. Wallet right behind it.
We launch where Luup already has demand: the stores on Luup need a checkout that turns buyers into members. The wallet follows, so the cashback and royalties those buyers earn have somewhere to live and something to spend on.
PrototypeToday. Wallet and checkout, end to end.
Partners and integrationPartner onboarding, sandbox, compliance set-up.
Checkout pilotSelected Luup merchants, real payments.
Luup WalletCashback and royalties, spend on Luup One.
Accounts and cardMulti-currency accounts, Visa card, send.
Open to every storeSelf-serve sign-up, plugins and API.
06 Who does what
Clear lines, from day one.
Luup
Builds and runs the product.
- Wallet app, iOS and Android
- Checkout button, plugins and API
- Ledger, Luup Wallet and royalties engine
- Merchant dashboard and support
Partners
Hold the money and the permissions.
- Accounts and safeguarding
- Acquiring and processing
- Card issuing on Visa
- Payouts and settlement
Merchants
Bring the shoppers.
- Add the Luup Pay button
- Set cashback and royalty rates
- Get paid out to their business account
- Reach their Luup members
07 Next steps
Four steps to a live pilot.
- Agree the servicesWhich of accounts, acquiring, issuing and payouts each partner covers, product by product.
- Open the sandboxAPI access and test accounts, so Luup can connect checkout and the ledger.
- Set up complianceMerchant and shopper onboarding, identity checks and monitoring, agreed together.
- Launch the pilotLuup Pay Checkout with selected Luup merchants, then the Luup Wallet.