Built for every layer of the payments ecosystem
From global networks to local merchants, Oiyaa activates growth at every point in the transaction chain.
Banks
Increase card spend and customer engagement through intelligent activation at the point of payment.
Issuers
Drive top-of-wallet behaviour with real-time rewards and personalised offers that land at the right moment.
Acquirers & PSPs
Grow merchant value beyond processing by offering a full suite of loyalty, rewards and engagement tools.
ISOs
Reduce churn and win more merchants with a platform that turns every terminal into a growth engine.
Payment Networks
Activate value across the entire ecosystem with transaction intelligence that benefits every stakeholder.
Merchants
Increase repeat visits and spend by turning your payment terminal into a complete customer engagement platform.
One platform. Six ways to activate growth.
Oiyaa delivers real business outcomes not just features. Every capability is designed to increase engagement, spend and retention from the moment payment is made.
Rewards
Increase engagement, spend and retention through real-time rewards activation at the moment of every transaction.
Loyalty
Build lasting customer relationships with intelligent loyalty programmes that adapt to spending behaviour automatically.
Gift cards
Drive new customer acquisition and increase basket value with digital gift cards activated directly from your terminal.
Subscriptions
Generate predictable recurring revenue and deepen customer retention through subscription models built into payment flows.
OiyAI
The intelligence layer behind every decision optimising customer engagement, merchant growth and transaction activation in real time.
Agentic commerce
The execution layer between AI-driven intent and payment completion. When AI decides what a customer needs, Oiyaa makes it happen.
One platform. Real business outcomes designed to increase engagement, spend and retention from the moment payment is made.
The intelligence behind every transaction
OiyAI is the real-time decisioning engine that sits behind every payment — analysing context, optimising engagement and triggering the right activation at the right moment for every customer.
- Real-time decisioning at the point of payment
- Customer engagement optimisation across all channels
- Merchant growth through intelligent upselling and retention
- Transaction intelligence that improves with every interaction
- AI-powered activation across terminals, SoftPOS and online checkout
One terminal. Multiple ways to grow.
Bookings. Loyalty. Gift cards. Cashback. Memberships. Reviews. AI. All activated directly from your payment terminal — with zero extra hardware.
The new merchant opportunity
Vouchers
Referrals
Reviews
Visit rewards
Memberships
Promotions
Upselling
Subscriptions
Appointment management
Automated marketing
AI customer engagement
AI-powered growth
Agentic commerce ready
Intelligent experiences
Agentic Commerce
AI can decide. Oiyaa executes.
Oiyaa is the execution layer between AI-driven intent and payment completion. As agentic commerce becomes the norm, Oiyaa ensures every AI-triggered action completes seamlessly with full loyalty, rewards and engagement activated alongside.
AI-driven intent
An AI agent determines what a customer needs a booking, a subscription, a repeat purchase.
Oiyaa executes
Oiyaa processes the transaction, activates the right rewards and logs the engagement instantly.
Value compounds
Every agentic transaction builds loyalty, drives retention and improves future decisioning.
Compliant by design
Full audit trail, compliance controls and data governance built into every activation layer.
Ready to activate more value from every transaction?
Join the banks, issuers, acquirers and merchants already growing with Oiyaa.
Recognised by J.P. Morgan Fintech Forward 2025 | KPMG Rising Stars | MPE Innovation Hub Finalist.