The Problem
Payments are real-time. Value is not.
Loyalty sits outside the transaction.
Data is fragmented.
Merchants juggle tools.
Issuers lose relevance at spend.
Acquirers compete on price.
The result: lost engagement, missed margin, and disengaged customers.
The Solution
One integration. Endless value.
Oiyaa is the bolt-on AI orchestration layer
that connects everyone already in the payment flow
without changing rails, hardware, or customer behaviour.
We don't process payments. We complete them.
Embedded Value Modules
- Real-time rewards & offers
- Gift cards & stored value
- Subscriptions & memberships
- Reviews & referrals
- Bookings & appointments
- Insights & audience segments
Single Customer View / Coalition Loyalty
Oiyaa enables coalition loyalty at scale connecting local and national merchants through one shared rewards network. Oiyai builds a Single Customer View across merchants anonymised, real-time, and privacy-compliant.
- No data friction.
- No walled gardens.
- Just intelligent engagement.
AI-Driven Orchestration
Oiyaa’s AI engine orchestrates every value-add in real time
deciding what to trigger, for whom, and when, directly at checkout.
One integration. All value-adds.
Automatically orchestrated by AI.
Built to support emerging agentic commerce standards as they mature across payments.
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 Entire Payments Ecosystem
Consumers
Instant, personalised value at checkout.
Acquirers & Payment Providers
New margin, differentiation, retention.
Issuers
Top-of-wallet engagement at spend.
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.
Merchants
(SME & Enterprise)
Higher conversion, repeat visits, larger baskets.
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
Integrate once via API or SDK.
2. Orchestrate
AI triggers the next best action in real time.
3. Measure
Live ROI and performance insights.
Data You Can Trust.
Intelligence You Can Act On.
Unified analytics, real-time attribution, measurable ROI.
Security by Design
- Encryption in transit and at rest.
- Role-based access.
- Regional data residency.
Born Global. Built to Scale.
- Acquirer-agnostic.
- Currency-neutral.
- Regulation-ready.
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.