The Problem
Every day, billions are lost in disconnected loyalty apps and missed data. Merchants juggle systems. Customers lose interest. Acquirers miss the margin.
Solution
Oiyaa fixes this one integration, endless value.
We’re the bolt-on orchestration layer that connects everyone already in the payment flow.
Embedded Value-Adds
AI Orchestration
Marketplace Engine
Built for the whole payments ecosystem
Empowering the Entire Payments Ecosystem
Issuers
Drive top of wallet behavior with real-time engagement at checkout.
Acquirers
Unlock new margin with value-adds on every transaction.
Payment Providers
Differentiate with an intelligent orchestration layer.
Merchants
(SME & Enterprise)
Turn payments into repeat visits, loyalty and insights.
Oiyaa connects banks, issuers, acquirers, payment providers, and SMEs through one seamless, AI-driven orchestration layer.
We don’t compete with payments we complete them.
As a bolt-on infrastructure layer, Oiyaa enables every ecosystem participant to orchestrate loyalty, rewards, and growth instantly within their existing infrastructure.
One AI Layer
Many Value-Adds
Oiyaa’s orchestration engine unites every high-impact module merchants and partners need embedded seamlessly into payments. One integration. All value-adds. Instantly orchestrated by AI.
Designed to align with emerging agentic commerce standards including MCP, A2A, and AP2 Oiyaa’s architecture is ready to interoperate as these frameworks mature across the payments ecosystem.
Modules include:
- Real-Time Rewards & Offers
- Gift Cards & Store Credit
- Subscription & Memberships
- Reviews & Referrals
- Bookings & Appointments
- Insights & Audience Segments
Each module feeds into a unified customer layer, giving partners a Single Customer View that bridges merchants, issuers, and acquirers the foundation of true coalition loyalty.
Not Just Loyalty Transaction Processing VaaS
Simple to connect. Impossible to outgrow.
Oiyaa isn't another loyalty tool it's a Transaction Processing Value-Adds-as-a-Service (VaaS) platform that learns, adapts, and orchestrates intelligent engagement across every payment moment. From rewards and gift cards to subscriptions, reviews, bookings, and insights Oiyaa unites every growth lever under one AI layer.
Oiyaa powers coalition loyalty at scale, connecting local and national merchants through one shared, interoperable rewards network.
Behind the scenes, Oiyai, our AI engine, builds a Single Customer View across participating merchants anonymised, real-time, and fully privacy compliant enabling intelligent engagement without data friction.
As payments evolve into agent-to-agent commerce, Oiyaa delivers the infrastructure that powers this intelligent value layer live inside every transaction.
Deep Technology, Simple Integration
Under the hood, Oiyaa’s proprietary AI orchestration engine learns from every transaction predicting and triggering the next best action instantly.
No manual campaign setup. No heavy integration. Just plug in through our APIs or SDKs and let Oiyaa optimise engagement in real time.
Integrate once. Orchestrate forever.
Oiyaa’s architecture aligns with the global move toward agent-ready commerce embedding intelligence within transactions, not on top of them. This bridges the gap between legacy acquiring and autonomous, AI-driven engagement.
Integrate once. Orchestrate forever.
Oiyaa works across existing payment systems - from
terminals to online checkout with no new hardware
required.
Activate via API, SDK, or supported gateway and start
orchestrating value-adds instantly.
Integration takes days, not months and scales across
regions, currencies, and verticals.
Wherever payments happen,
Oiyaa orchestrates value.
Whether it's a tap, a scan, or a click, Oiyaa delivers
consistent, intelligent engagement across every surface
in-store, mobile, and online.
Every transaction becomes a touchpoint for growth.
Unified orchestration for every payment moment.
how it works
From tap to intelligence in seconds
1. Connect
2. Orchestrate
3. Measure
Measurable Outcomes for Every Stakeholder
Issuers
Increased spend, top-of-wallet activation, lower churn.
Acquirers
New revenue streams, higher retention, lower price pressure.
Merchants
Higher conversion, repeat visits, larger basket sizes.
Consumers
Instant value and personalised engagement at every checkout.
In a payments ecosystem expected to generate over $3–5 trillion in new value by 2030, Oiyaa helps every stakeholder capture their share of this intelligent-payments opportunity.
By linking value across merchants and payment networks, Oiyaa turns fragmented loyalty into a live coalition with real-time visibility across the entire customer journey.
Data you can trust.
Decisions you can act on.
Track performance, offers, and cohorts across every
channel in real time.
Use AI-powered insights to measure ROI, segment
audiences, and optimise value-add performance.
Highlights:
- Unified customer view
- Offer rules & cohort management
- Revenue attribution & ROI analytics
Security by Design
Built with privacy and compliance at its core, Oiyaa ensures data security without complexity
encryption in transit and at rest, strict role-based access, and regional data residency keep every transaction protected.
Born Global. Built to Scale.
Oiyaa’s architecture is acquirer-agnostic, currency-neutral, and regulation-ready designed to scale across markets, languages, and devices.
From local pilots to enterprise rollouts, Oiyaa grows with you.
As agentic commerce reshapes global payments, Oiyaa stands as the orchestration layer connecting value, trust, and intelligence worldwide.
Recognised by J.P. Morgan Fintech Forward 2025 | KPMG Rising Stars | MPE Innovation Hub Finalist.