--- title: Embedded Loyalty Travel for Banks | point.me Gateway description: >- point.me Gateway is an embedded loyalty travel platform that lets banks turn unused points into card spend, retention, and engagement. Book a demo today. category: Page canonical_url: https://www.point.me/partnerships/financial-institutions/ source: point.me license: © 2026 point.me. All rights reserved. slug: partnerships/financial-institutions id: 5HBrHrPlxdelciWvwnHCEF contentType: page --- # 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. - [Book a demo](https://meetings.hubspot.com/lreisert/clone) ## 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* ![Core Solution visual](https://images.ctfassets.net/alwdzgjlz5qv/4wd6s7yCaQdr9EtjPWsVYp/53d9331ed2703c692424b1cbc4f41ec9/Gateway-Platform-Product-Experience-Visual-2.gif) #### 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 ![Search and Compare Visual](https://images.ctfassets.net/alwdzgjlz5qv/603a7jvMbttZoMXie9Xpvc/4b8332b23e707dd2178399368e78cb36/Search-and-compare.png) ### Checkout Supports point transfers, cash purchases, hybrid checkout, and seamless booking ![Checkout Visual](https://images.ctfassets.net/alwdzgjlz5qv/48Jfe34m8Y6dkLyWhqvca0/319b20fa26a0f710e0851004b6e27178/Checkout.png) ### Engage & Retain Surface personalized redemption opportunities that drive new acquisition, awareness, and engagement ![Engage & Retain Visual](https://images.ctfassets.net/alwdzgjlz5qv/3DoTc09OcuTPxPqspv9G8n/57ab5f12ba26b92e55e5b9a6bcd76d78/Engage-and-Retain.png) ![Ribbon for B2B light](https://images.ctfassets.net/alwdzgjlz5qv/3xBxJHyxAMJzAxiyoEOY9W/efa6b220cb29753de1cf054db30e73bb/Airlines_Hotels_Accommodations_Experiences_Dining_Events_Ribbon_-_Light.png) - [Book a demo](https://meetings.hubspot.com/lreisert/clone) *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 ### ![3x stat visual](https://images.ctfassets.net/alwdzgjlz5qv/3wqTQg3gb8SK6qwhK8aZc4/6b90a3fe8a9c77e6b5373995b541697f/3x-stat-full-3.svg) ### ![2x stat visual](https://images.ctfassets.net/alwdzgjlz5qv/1Aa5vcdf0Ojegh4YY8KO4w/729ad5fa42533844cf3622b1fd9e1f44/2x-stat-full-3.svg) ### ![87 NPS stat Visual](https://images.ctfassets.net/alwdzgjlz5qv/4yg9jaL7ZYAG0ZOfUcx4oz/ae4ccd597b1d678a42aa4e3b725b99ae/87-NPS-stat-full-3.svg) *Ben Lipsey,\nSVP Loyalty & President, Flying Blue* ### 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. ## Convert unredeemed points into revenue, retention, and card spend # **** ### SSO Integration Connect to your identity systems so customers authenticate with their existing credentials and access loyalty balances instantly. ### Flight Discovery 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. ![Gateway Accordion Visual Post-Purchase Cross Sell Mobile Phone](https://images.ctfassets.net/alwdzgjlz5qv/7fXxRuJsyi9Y8IAnmlZn9L/274a2c263cc22f5466683672662d15c0/Accordion-Visual-Mobile-Phone.png) ## From first call to live in 60 days ##### We handle the heavy lifting. Your team stays focused on what matters. - [Book a demo](https://meetings.hubspot.com/lreisert/clone) ### Discovery call We align on your integration scope, customer base, and mutual goals. No lengthy RFP process required. ### Technical assessment We evaluate your API readiness and choose the fastest integration path: leverage your existing API, co-build, or go live immediately via GDS. ### Go live We handle implementation. You get a fully branded travel portal embedded in your app, with real-time analytics from day one. ## Learn more. Share with your team. ### Gateway One-page Overview Learn how customers search, compare, and book trips using their points — all inside one branded experience. ![Gateway one-page Summary visual for download](https://images.ctfassets.net/alwdzgjlz5qv/2gRZuROwbzy9uhPK5DGYZs/66db85878cbdaae9a049bb15d8689a8c/Gateway_Overview_with_Executive_Summary.png) - [Download overview](https://www.point.me/partnerships/downloads/gateway-one-page-summary) ### The $300 Billion Wake-Up Call for Card Issuers Why unredeemed points are your biggest liability — and your biggest growth opportunity. ![ebook 300 billion wake up call GIF animation](https://images.ctfassets.net/alwdzgjlz5qv/43KEqpOPfPjHnnzMw2wDgB/e02df9f7bc3bd358e7d518f06d526046/eBook-300-Billion-Dollar-Wake-Up-Call-GIF-landscape.gif) - [Download eBook](https://www.point.me/partnerships/downloads/ebook-300-billion-wake-up-call) ## Ready to unlock the billions of points that never move? Turn points that never move from a liability into engagement, loyalty, and revenue. - [Book a demo](https://meetings.hubspot.com/lreisert/clone) ## FAQs More questions? **Email our team: **[**partnerships@point.me**](mailto:partnerships@point.me) ### 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.