Embedded finance solutions for digital retail engagement

Industry Digital Retail Engagement

Physical retail: Rich in experience, but poor in data & redemption

Make in-store engagement work as well as digital by bringing key retail journeys into mobile wallets at every PoS. Replace friction-heavy checkouts with high-converting, data-rich journeys, without PoS changes or staff training.

<1%

of checkout options at physical stores are enabled for BNPL services today.

51%

of consumers don’t redeem loyalty rewards due to inconvenient in-store redemption.

By tapping into the power of Apple Pay and Google Pay, your platform can:

Bridge digital and in-store experiences without PoS changes.
Launch loyalty, gifting and BNPL that work instantly via Apple or Google Pay.
Turn anonymous in-store transactions into usable insight on redemption, spend and repeat visits.

"Consumers have come to expect instant, secure and intuitive payments using cards in their mobile wallets. With Apple Pay and Google Pay available through Weavr, we’re bringing that same experience to business payments." - Alex Mifsud, CEO & Co-founder, Weavr

Turn digital engagement
into in-store revenue

Deliver in-store redemption using existing retail card rails - without building your own acceptance system or modifying PoS.

Loyalty redemption
Gifting & incentives
In-store BNPL
Mall operators

Loyalty redemption

Loyalty redemption
Gifting & incentives
In-store BNPL
Mall operators

Turn in-store loyalty from a data desert into attributable spend

Mobile is a powerful platform for loyalty, but in-store, the journey often breaks at the PoS. Scanning codes, manual checks and app-specific flows slow till queues and limit adoption. Moreover, actual loyalty activity sits apart from transactions, leaving retailers without a clear view of what drives spend or repeat visits.

Weavr closes the gap by moving loyalty onto the card rails retailers already accept. With wallet-native virtual cards, customers can earn and redeem points seamlessly at existing tills without PoS changes. Loyalty becomes part of the tap-to-pay experience, turning engagement into usable transaction signals.

Activate loyalty redemption with Weavr

Enable earn-as-you-pay loyalty and instant in-store redemption through Apple Pay or Google Pay, with zero extra steps for customers or staff.
Remove PoS dependencies with merchant-restricted virtual cards that work at existing tills.
Link loyalty campaigns to actual in-store purchases with clean attribution.
Build a frictionless experience that increases redemption, engagement and repeat spend.

What your retail customers want

Retailers want loyalty programmes that drive sales without adding friction at the till. They do not want new staff workflows or app-specific steps that slow queues.

They also need loyalty activity captured as transaction data, so they can see what drives redemption, lifts spend and brings customers back.

Capabilities you’ll need

SDKs and templates for rapid integration into loyalty platforms.
Instant virtual Visa and Mastercard card issuance through lightweight APIs.
Apple Pay and Google Pay wallet provisioning out of the box.
Merchant and category controls for precise, store-specific redemption.
Real-time visibility of redemption and spend performance.

Make loyalty work at the till

Give retail teams a consistent way to convert digital loyalty into in-store spend.

Head of Loyalty

Connects digital loyalty to in-store spend without PoS barriers or staff friction, driving higher redemption and clearer proof of programme impact.

CRM Lead

Gains visibility into how campaigns drive real purchases, with effortless redemption and accurate attribution that strengthens marketing ROI.

Retail Operations Manager

Keeps checkout smooth as loyalty redeems through tap-to-pay. Staff avoid codes and manual steps, maintaining fast, reliable store operations.

Make gifting programmes a driver of repeat spend

Retailers invest in gifting to drive incremental spend, but most programmes offer little visibility into results. Gift cards and codes create breakage and redemptions that are hard to track, leaving retailers no data on who redeemed, how they spent, or whether gifting drove a return visit.

Weavr removes the barriers by swapping gift cards with physical & virtual payment cards that can be provisioned into Apple Pay or Google Pay. Gifts redeem with a standard tap-to-pay transaction at existing tills, moving gifting into the payment flow and creating a persistent transaction signal for retailers instead of anonymous value.

How Weavr helps you capture more value

Use Visa and Mastercard rails instead of building proprietary acceptance systems from scratch.
Activate instant, in-store redemption of gifted or incentive balances through Apple Pay or Google Pay.
Enable redemption at existing PoS systems with no changes or complex integrations.
Link gifting and marketing campaigns directly to in-store sales with clean transaction signals.

What your retail customers want

Retailers want gifting to add revenue at the till without creating extra steps for frontline staff.

They need redemption to work instantly at the PoS, without manual processes, staff training or operational overhead.

They also want to know if gifting programmes are working, with signals they can use to target follow-up offers, drive repeat visits and lift post-gift spend.

Capabilities you’ll need:

Instant virtual Visa and Mastercard card issuance via lightweight APIs.
Apple Pay and Google Pay wallet provisioning for immediate in-store redemption.
Category controls to ensure gift value is spent only on approved items.
Unified data that links digital engagement and marketing campaigns to real in-store spend.

The simpler way to redeem digital gifts

Give engagement, loyalty and ops teams seamless in-store redemption and clear attribution.

Head of Customer Engagement

Sees digital gifting convert reliably in-store through tap-to-pay, enabling clean attribution and measurable uplift from campaigns.

Loyalty Manager

Delivers consistent redemption across all stores - no code failures, no staff confusion - improving usage and loyalty outcomes.

Head of Store Operations

Maintains smooth checkout as incentives redeem via standard card rails, removing staff burden and keeping queues moving.

Close the in-store BNPL gap that limits basket size

BNPL lifts basket size online, but that same uplift is rarely captured in store. Without pay-later options at the till, retailers miss higher-value sales and lack visibility into how financing influences conversion & spend. While some BNPL solutions exist in-store, they have yet to scale across the standard card rails most retailers already run, limiting adoption and consistency at the PoS.

Weavr enables BNPL in-store by allowing retailers to issue one-time virtual Visa and Mastercard cards to approved customers. BNPL runs like a standard tap-to-pay transaction at existing tills, with no PoS changes. Retailers lift AOV while replacing blind spend with clear signals on BNPL-driven uplift and repeat purchases.

Activate in-store BNPL with Weavr

Extend BNPL onto Visa and Mastercard rails retailers already accept, without PoS integrations.
Enable in-store BNPL purchases using wallet-native, one-time virtual cards.
Increase conversion on higher-value purchases and capture clear BNPL uplift signals.
Extend BNPL from online checkout into physical retail to drive new volume and repeat purchases.

What your retail customers want

Retailers want the basket uplift BNPL delivers online in-store, without introducing risk, friction or operational complexity.

They need pay-later options that work exactly like a standard tap-to-pay transaction at the till.

Retailers also need BNPL usage to surface as transaction signals, so they can see uplift and repeat behaviour rather than guessing impact.

Capabilities you’ll need:

One-time virtual Visa and Mastercard card issuance through lightweight APIs.
Apple Pay and Google Pay wallet provisioning for immediate in-store use.
Support for BNPL partner–funded float models enabling instant in-store purchases.
Merchant and category controls to restrict card use to specific retailers.
Real-time visibility of BNPL performance across online and offline transactions.

Extend BNPL into physical retail

Give product and risk teams a controlled, simple way to support in-store BNPL flows.

Head of Product

Launches in-store BNPL with no PoS integration. Customers tap to pay instantly, boosting acceptance and conversion on higher-value items.

Risk & Credit Lead

Controls exposure through merchant and spend limits, ensuring safe, predictable BNPL transactions even inside physical stores.

Merchant Partnerships Lead

Offers retailers an easy in-store BNPL flow with no training or new tech, strengthening partnerships and improving conversion.

Turn mall footfall blind spots into measurable loyalty

Mall operators are starved of the data required to run loyalty programmes that genuinely drive footfall. Spend data sits inside fragmented tenant PoS systems and remains out of reach, leaving operators blind to the drivers of visits, cross-shopping and repeat purchases. Without this visibility, loyalty performance is hard to measure, optimise or prove to tenants.

Weavr fixes this by linking mall loyalty directly to transaction data at tenant tills. By replacing token loyalty cards with Visa and Mastercard payment cards, shoppers earn and redeem rewards automatically when they tap to pay in-store. Operators gain centre-wide insight into spend, visits and repeat behaviour, enabling stronger tenant co-marketing and loyalty programmes that drive measurable footfall and in-centre sales.

Loyalty that drives mall footfall

Replace token loyalty cards with Visa and Mastercard payment rails retailers already accept, with no PoS changes.
Drive repeat visits and cross-shopping with rewards that redeem across participating tenants and categories via Apple Pay or Google Pay.
Eliminate manual redemption processes, capture centre-wide loyalty-led spend & visit signals, and turn your app into a driver of in-centre sales.

What your shoppers want

Shoppers want rewards that are easy to earn and redeem across the stores they visit.

They’d prefer a simple, consistent centre-wide tap-to-pay experience, not codes, receipts, or tenant-specific rules.

Shoppers also want rewards applied consistently at checkout, so loyalty feels automatic rather than a separate process they forget to complete.

Capabilities you’ll need:

Instant virtual Visa and Mastercard card issuance via lightweight APIs.
Apple Pay and Google Pay wallet provisioning for instant in-store redemption.
Merchant and category controls to govern where and how cards are used across tenants.
Unified data that links digital engagement to footfall and spend.

Loyalty programmes that lift footfall

Offer mall teams a unified loyalty experience across tenant mix, increasing footfall and in-centre spend.

Mall Loyalty Programme Manager

Runs a loyalty experience that works across every tenant. No receipt scans — shoppers tap to earn and redeem, lifting repeat visits.

Mall Marketing Director

Links campaigns to real tenant spend, gaining clear attribution and stronger insight to drive footfall and prove uplift.

Tenant Relations Manager

Reduces tenant friction with a loyalty system that needs no PoS changes or staff effort, making participation simple and consistent.

Blog: Apple Pay and Google Pay for in-store loyalty, gifting and BNPL

Mobile wallets have made paying effortless, but loyalty, gifting and BNPL still break at the till. This article maps the size of that redemption gap and shows how wallet-ready virtual cards bring these retail journeys into a single tap through Apple Pay and Google Pay.

Read the article

Blog: In-store retail is still declining. It can now take the best of online to leap ahead

Retail has gone wallet-first online, but in-store journeys still lag behind. This article explores the disconnect between digital engagement and physical checkout, and explains how wallet-native cards connect in-store retail to seamless, tap-to-pay customer experiences via Apple Pay and Google Pay.

Read the article

Newsroom: Weavr expands consumer-style business payments experience

A newsroom update on Weavr broadening Apple Pay and Google Pay availability for embedders, so they can issue virtual cards straight into mobile wallets. The piece positions this as the shift that brings consumer-grade tap-to-pay convenience into business payment experiences.

Read the article

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Turn digital engagement
into in-store revenue