Connect to your identity systems so customers authenticate with their existing credentials and access loyalty balances instantly.

Unified search across cash fares, pay-with-points, and transfer pricing — all in one view.

Checkout Experience: Points or Transfers

Full booking flow for cash and pay-with-points transactions, including split payments for partial balances. Connect loyalty accounts, auto-calculate required points, and initiate transfers in a single click.

Post-Purchase Cross-Sells

Surface hotels, rental cars, and ancillaries after booking to capture incremental revenue.

What is a loyalty redemption platform and how does it work for banks?

A loyalty redemption platform is API-first infrastructure that lets banks and fintechs offer a complete travel booking and points redemption experience inside their own branded app. Gateway by point.me connects your cardholders to 340+ airline and hotel loyalty programs, enabling them to search flights and hotels, compare cash and points transfer pricing side-by-side, and book trips — all without leaving your app. You integrate once via API; Gateway handles search, inventory, payments, settlements, and reporting behind the scenes.

How long does it take to integrate Gateway into our app?

Gateway launches in under 60 days from first call to go-live — compared to 12–18 months for building in-house or 6–12 months for legacy portal vendors. The integration is API-first: your team provides account linking, cardholder identity, and points balance; Gateway handles search, inventory, payment processing, settlement, and reporting. Typical integration requires one engineer on your side for 4–6 weeks. There is no core banking system change required and no card reissue.

What is the revenue model for financial institutions using Gateway?

Gateway’s revenue model is simple and scales with engagement. You earn a flat 3% fee on every point driven off your balance sheet, regardless of redemption type — whether that’s a points transfer, pay-with-points booking, or points retailing. On top of that, you earn commission share on bookable transactions like hotels, flight ancillaries (seat selection, baggage), and cash bookings. Gateway also supports hybrid checkout for partial redemptions, capturing revenue when cardholders split between points and cash. Per-partner revenue ranges from $1.9M to $3.9M annually depending on cardholder base size.

How is Gateway different from legacy travel portals for banks?

Legacy travel portals sell cash inventory at a fixed cents-per-point rate and offer limited, catalog-style redemption. Gateway is fundamentally different: it’s the only platform that combines award search across 340+ loyalty programs, live point transfer execution, and a full booking engine in one API-first experience. Cardholders see cash price, points transfer value, and pay-with-points options side-by-side for every flight — so they always know the best way to use their rewards. Legacy portals typically drive 2–3% search-to-booking conversion; Gateway drives 10%. And Gateway launches in 60 days versus 6–12+ months for legacy vendors.

What data and analytics does Gateway provide to financial institutions?

Gateway gives issuers competitive intelligence most have never had access to. You get real-time dashboards on redemption behavior (who’s redeeming, what they book, how often), transfer trends across loyalty programs, and peer benchmarking showing how your program stacks up against competitors. This data powers smarter co-brand offers, targeted engagement campaigns, and premium tier positioning. All analytics are available through performance dashboards included with the platform.

Is Gateway secure and compliant for financial institutions?

Yes. Gateway is SOC2 certified and designed for issuer-grade security requirements. The integration is read-only on your points balance and cardholder identity — there is no write access to your core banking systems. You own all settlement and customer data. Gateway was built with partners like Amex, so the platform understands loyalty economics, liability management, and the compliance requirements of regulated financial institutions. We treat data governance as a prerequisite, not an afterthought.

Turn customers into loyalists with repeat redemptions

Embed a full suite of loyalty redemptions directly into your app so your customers discover, compare, and book award travel without ever leaving your branded portal.

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95% of your points never move. That's a liability to your loyalty program.

Travel is the #1 reason people get a rewards card. Yet points pile up as liabilities on your balance sheet while customers drift to OTAs and lose sight of the value you gave them. The result? Low redemption rates, growing liabilities, and customers who see no reason to stay.

80%

of customers have never transferred points

40%

don’t know transferring is even possible

~5%

of bank currency ever reaches a loyalty program

Introducing point.me Gateway

The complete loyalty travel experience — flights, hotels, and experiences — all inside one branded app

Turn your points portal into a complete travel marketplace for flight, hotel, and experience redemptions.

Search & Compare

Customers see all available award flights, hotels, and experiences in a single, branded search

Checkout

Supports point transfers, cash purchases, hybrid checkout, and seamless booking

Engage & Retain

Surface personalized redemption opportunities that drive new acquisition, awareness, and engagement

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AS FEATURED IN

Built for Fintechs. Trusted by the biggest names in loyalty.

Modern architecture for financial institutions that move fast and expect results

Live in Under 60 Days. Not 6–12 months. Leverage your existing API or co-build with our team.
No Upfront Cost. No implementation fee. No ongoing maintenance.
Enterprise-Grade Security. SOC 2 compliant. Configurable branding. SSO integration. Performance dashboards.

See measurable impact from day one

By harnessing the power of point.me, Flying Blue broadens its reach, captivating travelers and fostering loyalty, even among those who have yet to experience our airline firsthand.