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
| Tab | What it holds |
|---|---|
| Main | 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). |
| Image | Your logo, cover images, and banner. |
| Detail | Contact details, working hours, and your terms & conditions text. |
| Template | How the member app looks — layout type (retail / f&b / service), menu view, and what is visible before a customer logs in. |
| Settings | Custom email (SMTP) and SMS providers, and webhooks. |
| Shops | Shopify and Xero integrations. |
| Notify | A grid of Email / SMS notification toggles per program type (Voucher, Membership, Loyalty Point, Store Credit, Stamp). |
| Signup / Login | Which fields customers fill in at sign-up, which are required, and the preferred login method. |
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.