The Problem
Every day, billions are lost in disconnected loyalty apps and missed data. Merchants juggle systems. Customers lose interest. Acquirers miss the margin.
Solution
Oiyaa fixes this one integration, endless value.
We’re the bolt-on orchestration layer that connects everyone already in the payment flow.
Embedded Value-Adds
- Real-Time Rewards & Offers
- Gift Cards & Store Credit
- Subscription & Memberships
- Reviews & Referrals
- Bookings & Appointments
- Insights & Audience Segments
AI Orchestration
Oiyaa’s orchestration engine unites every high-impact module merchants and partners need embedded seamlessly into payments.
One integration. All value-adds. Instantly orchestrated by AI.
Designed to align with emerging agentic commerce standards including MCP, A2A, and AP2 Oiyaa’s architecture is ready to interoperate as these frameworks mature across the payments ecosystem.
Not Just Loyalty Value-Adds-as-Service
Simple to connect. Impossible to outgrow.
Oiyaa isn't another loyalty tool it's a Transaction Processing Value-Adds-as-a-Service (VaaS) platform that learns, adapts, and orchestrates intelligent engagement across every payment moment. From rewards and gift cards to subscriptions, reviews, bookings, and insights Oiyaa unites every growth lever under one AI layer.
Oiyaa powers coalition loyalty at scale, connecting local and national merchants through one shared, interoperable rewards network.
Behind the scenes, Oiyai, our AI engine, builds a Single Customer View across participating merchants anonymised, real-time, and fully privacy compliant enabling intelligent engagement without data friction.
As payments evolve into agent-to-agent commerce, Oiyaa delivers the infrastructure that powers this intelligent value layer live inside every transaction.
Each module feeds into a unified customer layer, giving partners a Single Customer View that bridges merchants, issuers, and acquirers the foundation of true coalition loyalty.
Built for the whole payments ecosystem
Empowering the Entire Payments Ecosystem
Consumers
Instant value and personalised engagement at every checkout.
Merchants
(SME & Enterprise)
Turn payments into repeat visits, loyalty and insights. Higher conversion, repeat visits, larger basket sizes.
Payment Providers
Differentiate with an intelligent orchestration layer.
Issuers
Drive top of wallet behavior with real-time engagement at checkout. Increased spend, top-of-wallet activation, lower churn.
Marketplace Engine
Oiyaa Marketplace is the connected hub where consumers discover, redeem, and engage with offers from merchants powered by Oiyaa’s Value-Adds-as-a-Service platform. It unites local and global brands under one intelligent, real-time ecosystem Merchants gain instant visibility and loyalty without extra apps or complexity, while customers enjoy seamless rewards and experiences at checkout.
Acquirers
Unlock new margin with value-adds on every transaction. New revenue streams, higher retention, lower price pressure.
Oiyaa connects banks, issuers, acquirers, payment providers, and SMEs through one seamless, AI-driven orchestration layer. We don’t compete with payments we complete them. As a bolt-on infrastructure layer, Oiyaa enables every ecosystem participant to orchestrate loyalty, rewards, and growth instantly within their existing infrastructure.
Deep Technology, Simple Integration
Oiyaa’s AI engine learns from every transaction to trigger the next best action in real time no setup, no complexity. Just connect via API or SDK and let Oiyaa drive intelligent engagement.
Integrate once. Orchestrate forever.
Works instantly across existing payment systems terminals to online checkout. No new hardware. Activate via API or SDK and scale globally in days.
Wherever payments happen,
Oiyaa orchestrates value.
Whether it's a tap, a scan, or a click, Oiyaa delivers
consistent, intelligent engagement across every surface
in-store, mobile, and online.
Every transaction becomes a touchpoint for growth.
Unified orchestration for every payment moment.
how it works
From tap to intelligence in seconds
1. Connect
2. Orchestrate
3. Measure
Data you can trust.
Decisions you can act on.
Track performance, offers, and cohorts across every
channel in real time.
Use AI-powered insights to measure ROI, segment
audiences, and optimise value-add performance.
Highlights:
- Unified customer view
- Offer rules & cohort management
- Revenue attribution & ROI analytics
Measurable Outcomes for Every Stakeholder
In a payments ecosystem expected to generate over $3–5 trillion in new value by 2030, Oiyaa helps every stakeholder capture their share of this intelligent-payments opportunity.
By linking value across merchants and payment networks, Oiyaa turns fragmented loyalty into a live coalition with real-time visibility across the entire customer journey.
Security by Design
Built with privacy and compliance at its core, Oiyaa ensures data security without complexity
encryption in transit and at rest, strict role-based access, and regional data residency keep every transaction protected.
Born Global. Built to Scale.
Oiyaa’s architecture is acquirer-agnostic, currency-neutral, and regulation-ready designed to scale across markets, languages, and devices.
From local pilots to enterprise rollouts, Oiyaa grows with you.
As agentic commerce reshapes global payments, Oiyaa stands as the orchestration layer connecting value, trust, and intelligence worldwide.
Recognised by J.P. Morgan Fintech Forward 2025 | KPMG Rising Stars | MPE Innovation Hub Finalist.