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Direct connection
Give customers a reason to stay connected beyond the transaction.
Instant loyalty, built around your brand
Own the connection to your customers.
IOU gives your brand a direct loyalty channel where customers scan, earn Chips, claim the rewards they want, and redeem them through the fulfillment model that fits the reward.
Your brand stays front and centerClaim + ship or in-person redemptionCustomer data you can actually use
Your branded app
Direct customer connection
Custom rewards
Flexible fulfillment
Why IOU
Stop losing the relationship after the purchase.
A purchase should give your brand another way to know, reward, and reach the customer - not end the conversation.
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First-party insight
Build a clearer picture of participation, reward preferences, and member activity.
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Meaningful rewards
Create a catalog around your brand, products, and customer preferences.
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Repeat engagement
Use earning rules, tiers, campaigns, and reward drops to bring customers back.
Inside the experience
Scan. Earn. Claim. Redeem.
A straightforward loyalty loop that starts with a real customer interaction and ends with a reward fulfilled the right way.
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Scan
Connect a QR code to a product, purchase, event, campaign, or other action.
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Earn
Customers collect Chips based on the earning rules your program defines.
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Claim
Members browse the reward catalog and spend their Chips when something feels worth it.
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Fulfill
Ship the reward or route the customer to an eligible redemption center.
Claim + ship redemption
Make rewards available wherever your customer is.
For rewards that can be delivered, customers claim through the branded experience, provide shipping details, and your team gets a clean fulfillment workflow.
1Customers redeem in the app when they are ready.
2Shipping information is captured as part of the claim.
3Your team tracks the reward from approval through delivery.
Reward claim
ApprovedMember reward bundle
✓
Claim received
Member spent Chips✓
Shipping captured
Delivery details confirmed3
Fulfillment
Order prepared for shipment4
Delivered
Reward reaches the customerAlternate redemption option
Can’t ship?
We’ve got you covered.
Not every reward is a fit for delivery. IOU also supports a redemption-center model, giving customers a simple way to claim eligible rewards in person through participating locations.
1
Claim in the app
Customers browse available rewards and redeem their Chips through the same branded experience.
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Find a participating location
For rewards that require in-person fulfillment, customers are directed to an eligible redemption center.
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Redeem in person
The location verifies the claim and completes the redemption, giving both the customer and your team a clear record of fulfillment.
Flexible fulfillment for different reward types
Some rewards are perfect for claim-and-ship. Others are better handled in person. IOU supports both, so your loyalty program can adapt to the product, location, and customer experience.Claim + ship when you can. Redeem in person when you can’t.
What you get
A loyalty program that feels like your business.
IOU brings the customer experience, program tools, redemption workflows, and support together so your team can focus on the relationship - not stitching systems together.
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Your branded loyalty app
A customer-facing app customized with your brand identity, rewards, and member experience.
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Flexible earning rules
Reward the actions that matter to your business, from product interaction to referrals and milestones.
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Custom reward catalog
Build a reward mix around your customers rather than forcing the program into a generic points template.
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Flexible redemption
Support claim-and-ship rewards alongside participating redemption-center fulfillment.
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Program analytics
See member activity, earning, claims, reward demand, and campaign participation in one place.
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Launch + ongoing support
Work with the IOU team on program setup, onboarding, launch planning, and continued optimization.
A straightforward path to launch
Plan it. Build it. Launch it.
We define the program around your customer journey, configure the branded experience, and help your team get it into market.
01Plan
02Build
03Launch
Request a demo
Show us what loyalty should do for your brand.
Tell us about your customers and what you want the program to accomplish. We will tailor the walkthrough around your use case.
- Branded app experience
- Earning rules + reward catalog
- Claim + ship workflow
- Redemption-center workflow
- Admin tools + program analytics