The 5 Best SaaS Platforms for Online Loyalty Programs

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Choosing the right 3rd party loyalty program for your e-commerce business is crucial. Discover how the top five loyalty apps stack up in terms of features and benefits to meet your customers' expectations and drive brand loyalty.
Choosing the right 3rd party loyalty program for your e-commerce business is crucial. Discover how the top five loyalty apps stack up in terms of features and benefits to meet your customers' expectations and drive brand loyalty.

When it comes to choosing 3rd party loyalty programs for your e-commerce business, there is one question you need to ask yourself:

“Will it help me meet the expectations of my customers?”

While loyalty programs can be a great way to boost your recurring revenue, you still need to make sure you select the one with the right features to propel your growth.

For example, if your brand is brick-and-mortar and online, you need omnichannel support. Without it, you won’t have a unified rewards wallet, your customers can’t decide where to spend their perks, and you won’t have the freedom to create unique in-store activations.

But most importantly, it won’t inspire brand loyalty, and when that starts to drop off, your churn rates go up.

To help you find the best loyalty program that’s going to:

  • Capture the attention of your customers.
  • Differentiate your brand from your competitors.
  • Drive up retention and customer acquisition.

We’ve compiled a comprehensive overview of what features to look out for and what you can expect from the top five loyalty apps on the market.

Best Online Loyalty Programs Compared 

What To Look For in a 3rd Party Loyalty Program 

What features does your loyalty app need to include? Here are the top 6 features to look out for when selecting a SaaS platform for your rewards

Integration Capabilities 

“How easy does your 3rd party loyalty program integrate with your current workflow?”

That is one of the most important questions when deciding on a platform.

The right choice will seamlessly harmonize with your current tech stack and create a cohesive customer experience across all touchpoints.

This is crucial if you’re selling in-store and online.

You need an omnichannel loyalty program to reward your customers for activations and purchases anytime, anywhere.

With streamlined data, you can create a unified rewards experience, personalize your interactions, and boost customer engagement on autopilot.


“Do these 3rd party loyalty programs give you and your customers flexibility?”

Here’s the thing.

Your business is unique.

So are your customers.

It doesn’t make sense to choose a cookie-cutter solution, right?

Instead, you need a loyalty program that you can customize to your business needs and customers' expectations.

What does flexibility look like?

  • Earned and paid loyalty program options.
  • Loyalty alliances with like-minded brands.
  • Google and Apple wallet referral passes.
  • Customized reward tiers.
  • Meaningful rewards like in-store credit and cashback.
  • Setting up a variety of reward activities.
  • Flexible loyalty program structuring with pricing rules.

These features help you create a rewards program to fit your business instead of the other way around.

Reward Customization 

“Can you customize the rewards you offer to your customers?”

Loyalty is pointless.

We are in a new era of customer loyalty, and “points for likes” doesn’t cut it anymore.

To succeed in creating an army of superfans and a steady stream of recurring monthly revenue, you need a loyalty program that goes beyond points.

What does that mean?

Offering your day ones meaningful and valuable rewards.

Look for flexibility to offer transactional rewards like cash back and in-store credit and experiential rewards like access to exclusive products, free gifts, voting on brand decisions, and collectibles.

AI Features 

“Are you able to leverage the power of AI?”

The role of AI in SaaS loyalty programs is becoming increasingly important.


52% of shoppers want personalized offers based on data from their customer loyalty accounts, and AI gives you the power to revolutionize your rewards program by providing personalized rewards and incentives based on customer behavior.

AI can analyze real-time data and offer tailored discounts that align with customer preferences. It encourages repeat purchases, drives brand loyalty, and meets the modern consumer's expectations.

That’s not all.

You can use AI to serve personalized product recommendations, determine which customers are most likely to make a purchase, and send customized incentives to seal the deal.

Analytics and Reporting 

“Do you have access to in-depth loyalty program analytics?”

Like most things in business, you need quantifiable data.

A robust analytics dashboard should be able to answer key questions like:

  • What loyalty tiers are most popular?
  • What rewards are activating your customers the most?
  • When are members canceling their subscriptions?

These and other data points can help you track your retention rates, figure out how to better incentivize customers to increase cart sizes and implement strategies to prevent churn.

Return on Investment (ROI) 

Loyalty programs are the fuel for your sales machine. 

Increasing your retention by 5% can increase your revenue between 25% and 95%.

Want statistics like that for your business?

It all comes down to nurturing repeat purchases from your existing customer base to drive a higher customer lifetime value (CLV).

But how do you know if you’re getting a return on investment (ROI) from your rewards platform?

Track the following metrics:

  • Redemption rates of rewards
  • Open and click-through rates for your loyalty program emails
  • Frequency of loyalty card and referral code usage

Best SaaS Platforms for Online Loyalty Programs 

Here’s a list of the top 5 third-party loyalty programs for you to consider in 2023.

1. TOKI: The New Age Loyalty Program SaaS Platform

TOKI is the ultimate modern loyalty playbook. Focusing on providing experiences shoppers want, flexibility, and transparency, it’s perfect for e-commerce retail brands on Shopify who want an affordable yet robust rewards program.

The software is fully customizable (hello, white label loyalty platform!), and offers paid and earned loyalty programs and omnichannel activation for a seamless in-store and online experience.

But that’s not all.

One of TOKI’s standout features is its Loyalty Alliances. Find a strategic partner for your loyalty program and get a unique edge over your competition in only three clicks. 

Feature Highlights:

  • Paid and earned loyalty programs
  • Diverse and flexible rewards
  • Zero-party data collection incentives
  • Apple Wallet branded referral card support
  • Subscription incentives
  • Brand alliances
  • Blockchain security
  • Analytics dashboard and audience segmentation
  • Omnichannel support
  • SMS and email
  • Integrations with Klaviyo, Shopify, Recharge, Snowflake, social media
  • White-label loyalty program functionality


  • 14-day free trial
  • Starter $49 per month
  • Growth plan $299 per month
  • Pro plan $799 per month

2. Yotpo 

Yotpo helps you create customizable rewards and referral programs and is the best option for e-commerce brands that rely heavily on collecting and displaying user-generated content (UGC). 

The platform comes with features like tier-based reward programs, SMS marketing capabilities, and advanced customer segmentation.

However, there are some drawbacks. The set-up can be complicated, and the free plan offers the bare minimum.

Feature Highlights:

  • Access to an SMS marketing app to target your customers with personalized messages and promotions.
  • Ability to create customizable loyalty campaigns and reward your shoppers for purchases, reviews, social follows, and referrals.
  • Ability to create tier-based loyalty programs.
  • Integration of user-generated content with the ability to display reviews, ratings, and customer photos across your website.
  • Integrates with various tools like Shopify, Klaviyo, Mailchimp, and Zendesk.


  • Free
  • Growth $15 per month
  • Prime $115 per month
  • Premium and enterprise plans pricing on request

3. LoyaltyLion 

LoyaltyLion is an e-commerce loyalty program SaaS solution and engagement platform for merchants who don’t need omnichannel support and only want to focus on online sales.

If you fit the bill, you’ll gain access to a loyalty program that lets you create personalized shopping experiences for your customers. Some of its top features include personalized SMS notifications, advanced analytics, and customer segmentation based on past buying behaviors.

LoyaltyLion’s pricing is considerably higher than its competitors, so it’s not a great option for small e-commerce businesses. The platform also has a steep learning curve, and some users find the design interface counterintuitive.

Feature Highlights:

  • Rewards system for actions on and off-site, like account creation, social media follows, and referrals, in addition to transactions.
  • Personalized email and SMS notifications.
  • Analytics, insights, and segmentation based on buying behaviors.
  • High flexibility in designing your loyalty program and white-label branding.
  • Integrations with existing marketing tools, including Shopify, Magento, and BigCommerce.


  • Classic $399
  • Advanced and Plus pricing on request

4. Zinrelo 

Are you an enterprise business? Then, Zinrelo is one of the best 3rd-party loyalty programs for you. It’s an easy-to-implement solution with deep data analytics to help boost recurring revenue and your customer lifetime value (CLV).

One of its most notable features is its omnichannel experience. It seamlessly integrates across all touchpoints, including call centers.

While the platform does offer an SMB plan, you’ll need Enterprise to access its full customization and get the most out of Zinrelo.

Feature Highlights:

  • Fully customizable white-label loyalty program
  • Loyalty tiers and a referral program
  • Advanced reporting and analytics
  • Email engagement workflows
  • Access to omnichannel features to create a seamless experience across all customer touchpoints. 
  • A dedicated account team with unlimited support
  • Integrates with platforms like Hubspot, Adobe Experience Cloud, Miva, etc.


  • Pricing is available on request.

5. is one of the largest rewards program providers. It comes with an easy-to-use point system, a referral program, and rewards to help you scale your recurring revenue.

But it does have its limitations.

With only a few POS integrations, it’s not the best choice for omnichannel brands who want in-store rewards activations, and some features, like its API, are only accessible on its Enterprise plan. While does come with a free plan, it’s limited to 200 orders, making it an option if you’re getting started with rewards, but you’ll quickly outgrow it and need to upgrade.

Feature Highlights:

  • Customizable to match your brand
  • Intuitive UX design
  • Integrates with Shopify, BigCommerce, and Wix
  • A range of reward program templates to choose from
  • Free product rewards and VIP tiers are only available on the Growth plan
  • Referral program


  • Free plan
  • Starter $49 per month
  • Growth $199 per month
  • Plus $999 per month

Frequently Asked Questions

Do you still have questions about the best SaaS platforms for online loyalty programs? Here are some answers to the most commonly asked questions.

What are third-party loyalty programs? 

A third-party loyalty program is a piece of software for creating and managing your online loyalty program. It usually comes with features like memberships, tiers, points, and referrals that you can customize to suit your brand.

What are the benefits of a loyalty program?

The main benefits of loyalty programs include: increased customer retention, higher purchase frequency, an increase in average order value, and a boost in a customer’s lifetime value.

What are the characteristics of a good loyalty program?

A good loyalty program gives your customers tangible value and makes it exciting to interact with your brand. The best rewards programs include features such as polls, scavenger hunts, challenges, membership tiers, and perks like collectibles and cashback.

What do customers look for in loyalty programs?

Customers prefer loyalty programs that offer tangible rewards like store credit or cash back, as well as access to exclusive product drops and collectibles.

Choosing the Right 3rd Party Loyalty Program for Your Business 

The thing with options is that it always comes with decision fatigue.

To avoid it and find the right 3rd-party loyalty program for your business, the key is to focus on what’s important to you.

  • Do you need an online and in-store rewards solution?
  • Does the loyalty app integrate with your current tech stack?
  • Will it complement the loyalty program structure you want to implement?
  • Does it offer a white-label solution to enhance your brand identity?
  • Can your business grow with the platform long-term?

If you’re looking for an affordable loyalty program that offers more than points for likes, try TOKI. 

It drives meaningful engagement and customer loyalty with seamless omnichannel activation, strategic brand alliances, rewards your customers actually want, and the flexibility to create a loyalty program tailored to your business. 

Get started with TOKI for free today.

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