Merchant Settings
Overview
Merchant Settings are your platform-wide settings — they apply across your whole business: every outlet, every till, the member app, and the POS. You'll find them under Merchant Settings in the sidebar.
The screen is organised into tabs. This page covers them all, but for a first setup you only need the Programs tab.
Start with the essentials
To get a loyalty program running you only need the settings in The essentials below. Everything else can wait until you need it.
The essentials
Open the Programs tab and set these. They define how your points work:
| Setting | What it means | Bean & Brew example |
|---|---|---|
| Loyalty unit name | What you call your points | Beans |
| Loyalty unit type | Whether points act like a count or like currency | Points |
| Point → Currency value | The cash value of one point | 1 point = $0.01 |
| Upgrade membership automatically | Members rise through tiers on their own | On |
| Allow member to skip level | Members can jump past a tier when they qualify | On |
| Allow redeem loyalty | Points can be used as payment | On |
| Disable Store Credit | Master switch that turns store credit off | Off (keep it on) |
Programs tab — full reference
Loyalty
| Setting | What it does |
|---|---|
| Loyalty Redeem channels | Where points can be redeemed — Customer, Kiosk, POS. |
| Loyalty unit name | The name of your points (e.g. Beans, Points, Stars). |
| Loyalty unit type | How the unit behaves. |
| Point → Currency value | What one point is worth in money. |
| Membership min active days | The minimum time a member must hold a tier before they can drop from it. |
| Point validity (days) | A platform-wide expiry for earned points. |
| Birthday Month Point Bonus | A point multiplier during a member's birth month. |
| Date Range Point Bonus | Point multipliers for set promotional date ranges. |
| Bonus Point On Completing Profile | A one-time point award when a member completes their profile. |
| Profile Fields | Which profile fields count toward that completion bonus. |
Membership
| Setting | What it does |
|---|---|
| Upgrade membership automatically | Members are auto-promoted when they qualify. |
| Allow member to skip level | Members can jump straight to a higher tier. |
| Allow redeem loyalty | Points can be used as a payment method. |
| Allow redeem loyalty at Customer | Members can redeem points themselves in the member app (via a QR code). |
| Include service charge for point calc | Service charge counts toward points earned. |
| Loyalty is decimal | Points can have decimal values rather than whole numbers. |
| Allow referral | Enables referral programs. |
| Allow birth-month voucher | Issues a voucher during a member's birth month. |
| Birthday auto-send email / SMS | Automatically messages members on their birthday. |
Tiers can override two of these
A membership tier can override Upgrade automatically and Allow skip level with its own settings. The values here are the defaults.
Store Credit
| Setting | What it does |
|---|---|
| Disable Store Credit | The master switch — on means store credit is off everywhere. |
| Store Credit Redeem channels | Where store credit can be spent. |
| Store value validity (days) | A default expiry for issued store credit. |
| Unlock store credit | Requires a member to reach a set balance before credit becomes spendable. |
| Allow negative store credit | Lets a balance fall below zero (used with post-pay credit). |
| Negative store credit rules | Limits, billing cycle, and SMS/email reminders for negative balances. |
Other tabs
The Programs tab covers your loyalty rules. The remaining tabs hold the rest of your merchant profile. The Main tab — business name, subdomain, currency (SGD, HKD, MYR, USD, AUD, THB, IDR, VND, CNY, JPY), go-live date, and registration toggles (allow register, SMS login, terms-on-login, gift vouchers) — is described in The essentials territory above; here's what each of the others does.
Image
Your brand artwork — image, logo, up to ten covers, and a 3:1 banner. These appear in the member app and on shareable links.
Detail
Your public contact and policy details:
| Field | What it does |
|---|---|
| Contacts | First/last name, two phone numbers, email, web, and social handles (Facebook, Instagram, Twitter). |
| Working hours | Open/close times per day, Mon–Sun (e.g. 09:00-18:00). |
| Terms & Conditions | The rich-text body shown to members — surfaced at login when Require Terms & Conditions on Login is on. |
| Disqualify Words | Words that block a name or entry from qualifying. |
Template
Controls the layout of your transactional email and notification templates — the look of the messages Rewardly sends members. Edit it only when you want to restyle those emails.
Settings
Bring your own transactional email and SMS providers, plus outbound webhooks:
| Setting | What it does |
|---|---|
| Use Custom SMTP | Send email through your own server — host, port, secure, auth user, and pass. |
| Use Custom SMS | Send SMS through your own gateway — apiToken, from, and servicePlanId. Provider type is fixed to sinch. |
| Webhook | A Webhook URL plus a LoyaltyOS URL for outbound event posts. |
| Voucher Sync | An endpoint Rewardly calls to sync vouchers. |
These power your custom messages
The SMTP and SMS providers here drive the custom transactional email and SMS that Marketing sends. The SMTP and SMS sections only appear when you're editing an existing merchant, not creating one.
Shops
Link your other commerce platforms:
| Platform | What it does |
|---|---|
| Shopify | Enter your API Key, API Secret, and Shop, then Link Shopify. Once linked, the store details show with an Unlink button. |
| Vend | Link your Vend account; the linked display shows the store name and an Unlink button. |
| Revel | Enter the Revel instance, key, secret, and signature secret. |
Products pulled in from Shopify show a source of shopify and can be filtered by that source in the product list.
Xero
Maps your sales, tax, service charge, rounding, and payment buckets to Xero ledger accounts for accounting export. This is a merchantAdmin-only tab and needs a Xero connection first — see Xero Integration for the full walkthrough.
Notify
A grid of Email / SMS toggles per event type — Voucher, Membership, Loyalty Point, Store Credit, and Stamp — deciding which loyalty events message your members.
Signup / Login
Controls what your member app and POS ask new customers for:
| Setting | What it does |
|---|---|
| Per-field config | For each field (phone, email, password, first/last name, birthday, gender), set Is Show and Is Required. |
| Preferred Login Type | How members sign in — Phone, Email, Phone OTP, or Email OTP. |
| Guest Login Type | Whether guest checkout needs phone/email (required, optional, or none). |
| Preferred Email Domains | A list of accepted domains (e.g. gmail.com). |
This shapes the sign-up screen
These settings drive the fields and login method your customers see when they join — in both the member app and at the POS. See Getting Started.
Related
- Loyalty Points — uses the loyalty unit and multipliers set here.
- Membership & Tiers — uses the auto-upgrade and skip-level defaults.
- Store Credit — controlled by the store-credit master switch here.
- Outlet Settings — per-branch settings that sit below these.
- Marketing & Messaging — uses the custom SMTP/SMS providers set on the Settings tab.
- Customer App — Getting Started — shaped by the Signup / Login fields here.