Solution · Rewards

Earned, not chased

Perks at the places you actually go.

You already eat somewhere, fuel somewhere, pay for internet somewhere. Qoyla matches merchant-funded rewards to that real pattern, earned automatically when you pay, no codes, no coupon hunting, the catch always stated.

Get startedBrowse the marketplace

How a reward finds you

1 · Merchants fund offers, not adsA restaurant or telco places a real reward. 5% back, a free month, and pays only when a genuine transaction happens.
2 · Matching runs on intent, never identityQoyla matches by category pattern. “pays for internet monthly”, inside your consent. The merchant never sees who you are.
3 · Earning is automaticPay as you normally do; the qualifying transaction is matched in the background and the reward credits with its record. No activation step to forget, the friction that kills most bank reward programs.
4 · Every claim is recordedReward, terms and expiry seal into a record both you and the merchant can verify, disputes end at the record.

The honest economics

This is the rare loop where everyone’s incentive points the same way.

$0
cost to you, merchant-funded
2×
unique transacting users banks typically see
25%+
typical merchant order-value lift
100%
of offers state the catch up front

You earn at places you already love. The merchant pays only for real customers. Your bank keeps you engaged. Qoyla’s rule is the differentiator: rewards may celebrate spending you already do, they may never engineer spending you’d regret. Hit this month’s savings target and the perk lands where you actually go, that’s the loop.

Where you’ll feel it

The places you eat

Your usual spots, rewarding your usual orders, plus the streak perk when a savings milestone lands.

The bills you already pay

Internet, data, fuel, recurring spend quietly earning back a slice every cycle.

Milestone rewards

Hit your monthly savings target and partners fund the celebration, honest variable reward, never a casino.

Stop chasing points

Connect your accounts and watch the first matched offers appear, each with its catch stated.

Get startedFor merchants: place an offer