Loyalty Hits A Turning Point

𝐋𝐨𝐲𝐚𝐥𝐭𝐲 𝐢𝐧 𝐀𝐮𝐬𝐭𝐫𝐚𝐥𝐢𝐚 𝐣𝐮𝐬𝐭 𝐡𝐢𝐭 𝐚 𝐭𝐮𝐫𝐧𝐢𝐧𝐠 𝐩𝐨𝐢𝐧𝐭 𝐚𝐧𝐝 𝐧𝐨𝐛𝐨𝐝𝐲'𝐬 𝐭𝐚𝐥𝐤𝐢𝐧𝐠 𝐚𝐛𝐨𝐮𝐭 𝐢𝐭. From June 30, Australian Payments Plus (the operator behind EFTPOS, BPAY and real-time payments) is shutting down their card-matching transaction and data services.

This service allowed many merchants to link EFTPOS transactions to customer identities - enabling loyalty points to be awarded based on total spend.

Closing the service removes a core chain: “spend → identity → reward logic” and exposes something important: card-matching loyalty was never built on transaction truth - it was built on an approximation of it.

Thats because Spend tells you how much - not what was actually bought. Sales total alone does not allow for; precision targeting, category rewards, and true behavioural insight.

Every marketer knows that there’s a massive gap between rewarding a $120 sale v rewarding 𝐞𝐱𝐚𝐜𝐭𝐥𝐲 what’s was purchased (basket data).

At IQ Gecko, we take a different approach.

We capture 𝐥𝐢𝐧𝐞-𝐢𝐭𝐞𝐦 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 𝐝𝐚𝐭𝐚 𝐚𝐜𝐫𝐨𝐬𝐬 𝐚𝐧𝐲 𝐏𝐎𝐒 and apply loyalty logic at in real time. So merchants can run:

→ Smart bonus rules

→ Category-based rewards

→ True behaviour-driven loyalty

→ Not approximations.

𝐓𝐡𝐞 𝐎𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲:

If you’re a 𝐦𝐞𝐫𝐜𝐡𝐚𝐧𝐭 relying on card-matching loyalty, or a 𝐩𝐥𝐚𝐭𝐟𝐨𝐫𝐦/𝐩𝐫𝐨𝐯𝐢𝐝𝐞𝐫 that built on it - there’s now a clear gap to replace and upgrade.

IQ Gecko is a 𝐰𝐡𝐢𝐭𝐞-𝐥𝐚𝐛𝐞𝐥, 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧-𝐧𝐚𝐭𝐢𝐯𝐞 𝐥𝐨𝐲𝐚𝐥𝐭𝐲 𝐥𝐚𝐲𝐞𝐫 built for both. No rebuild from scratch. No loss of control. Just a better foundation.

We help merchants, processors, and platforms move beyond card-matching into real transactional intelligence.

Reach out to IQ Gecko today: https://www.iqgecko.com.au/contact-form

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