At Market Pay, innovation isn’t just a buzzword—it’s our blueprint. In a rapidly evolving payment ecosystem, we’re proud to introduce Loyalty Vault.

Designed and implemented for REMA 1000, one of Norway’s leading grocery retailers, Loyalty Vault is revolutionizing the way loyalty programs operate by integrating them directly into the payment experience.

Initial need: a fragmented customer journey

Traditional loyalty programs often rely on separate cards, apps, or barcode scans—creating friction at checkout and often failing to engage the modern, mobile-first consumer. Despite growing expectations for speed and simplicity, loyalty systems have remained disconnected from the core of retail transactions: payments.

That’s where Loyalty Vault comes in.

The innovation: Loyalty, Built Into Your Wallet

Loyalty Vault is the first-of-its-kind solution in Europe to integrate loyalty recognition directly both into physical and tokenized payment cards—such as those used in Apple Pay or Google Pay. No more separate loyalty cards, apps, or extra steps at checkout.

Customers simply pay with their usual card or mobile wallet. Loyalty Vault handles the rest, recognizing the user, tracking rewards in real-time, and applying them instantly—all behind the scenes.

Built with security and scalability in mind, Loyalty Vault combines:

  • Mapping Services to link loyalty IDs with payment instruments,
  • Tokenization to ensure secure transactions,
  • PAR API integration to identify tokenized cards across schemes,
  • And full compliance with GDPR and PCI DSS.

Why it matters: a new loyalty standard for the Industry

This isn’t just an upgrade—it’s a fundamental shift. Loyalty Vault blends payment and loyalty into a single, fluid process. It streamlines store operations, enhances security, and significantly improves the customer experience—both in-store and online.

As mobile payments continue to surge, this integrated model is paving the way for the next generation of retail engagement. Merchants gain valuable real-time insights while consumers enjoy intuitive, card-based loyalty participation—no extra apps or manual effort required.

What’s next: scaling across Europe and beyond

With a modular, future-proof architecture, Loyalty Vault is designed to scale across markets and industries. Whether for grocery, fashion, or specialty retail, Market Pay is already exploring new deployments across Europe.

Loyalty Vault by Market Pay: Transforming how payments and loyalty work—together.

Interested in learning how Loyalty Vault could elevate your customer experience? Get in touch with our team https://market-pay.com/en/contact