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Loyalty programme

Points that earn, expire and pay at the till

Points per ₹100 at a rate you set, tiers that multiply earning by yearly spend, expiry you decide, bonus campaigns for a festival week, and a balance a cashier can take off a bill at the counter.

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What it solves

A loyalty scheme run in a spreadsheet drifts: nobody can say what a customer is owed, points never expire, and the liability never reaches anyone who can question it. Finocket keeps the running balance and the history as an append-only ledger and decides none of the numbers. What a point is worth, how fast points build and how long they last are your commercial calls, and left at zero the programme earns nothing, which is the safe state while you decide.

How we're different

Points move only as a consequence of a settled sale to a named customer (a walk-in sale earns nothing), and the balance is checked again at the moment a bill settles, so points spent on another till a minute ago cannot be spent a second time. The liability is treated as what it is: points are money you owe in goods, your accountant names the accounts, and until they do nothing is posted to accounts nobody chose.

Finocket on desktop, showing the full workspace
Finocket dashboard showing earnings, spend and outstanding at a glance
What it does

Inside Loyalty programme

01

Points per ₹100, with a floor and a rounding rule

Set points per ₹100 spent and a minimum spend below which a bill earns nothing. Set it to ₹500 and a ₹200 sale earns nothing. Rounding decides what happens to the part-point almost every bill produces: down is the cheapest and most common; up is a real cost repeated on every sale.
Finocket dashboard showing earnings, spend and outstanding at a glance
02

Tiers by yearly spend

Each tier has a code that never changes, a name you can reword, the yearly spend it starts at and what it multiplies earning by. 1.5× on a base rate of 2 points per ₹100 earns 3. Two tiers cannot start at the same spend, a tier cannot multiply by zero, and a tier with customers on it refuses to be removed until they are moved.

Loyalty programme

Tiers by yearly spend

03

Expiry you decide

Leave the expiry blank and points last forever: simplest for a customer, an open-ended liability for you. Set it to a number of months and a point ages out that long after it was earned. Either answer is defensible; not deciding is the one that surprises you later.

Loyalty programme

Expiry you decide

04

Redeem at the counter

Once a point's worth in paise is above zero, a cashier can take points off a bill as a tender. Finocket checks the balance again when the bill settles rather than trusting the figure on screen, and points can never pay more than the bill.

Loyalty programme

Redeem at the counter

05

Campaigns for a window

A campaign multiplies the accrual for a dated window, such as 2× points over a festival week. The till applies it to every qualifying sale in that window, the customer's statement still shows one line per purchase, and switching it off early stops it the same day.

Loyalty programme

Campaigns for a window

More in Loyalty programme

A liability your accountant names

Points are money you owe in goods, not money you have made. Your accountant chooses the accounts that describe that; you do not need them to start, and while they are empty nothing is posted to your books and nothing is lost. The ledger still shows what is outstanding.

Works with the rest of Finocket

Retail till & shops
Points are earned on a named sale at the till and spent there as a tender, checked against the balance at the moment the bill settles.
Invoices & payments
A sale earns only when it is attached to a named customer. Tap the customer row at the till to search by name or phone.

Part of Point of Sale. See how every module connects.

Questions

What is a point worth?

Whatever you set, in paise, and it starts at zero, so points build up but cannot be spent. That is the right place to leave it until you have decided, because a point's worth is a cost you carry on every sale afterwards.

Who earns points?

Only a named customer. Counter sales default to your walk-in record, which is shared by every anonymous sale in the shop, so those earn nothing. Tap the customer row at the till to name somebody.

Do points expire?

Only if you say so. Leave the expiry blank and points last forever; set it to a number of months and a point ages out that long after it was earned.

Where does this land in my books?

Points are a liability: money you owe in goods. Your accountant chooses the accounts; until they are named, nothing is posted to your books and the ledger still shows the outstanding balance, so nothing is lost and nothing lands in accounts nobody chose.

Can I run two programmes?

No. One workspace runs one programme. A second would mean two rates applying to the same sale with nothing to say which wins. Opening the screen when a programme already exists edits it rather than starting another.

Repeat customers come back for their points, and what you owe them sits on the books, not in a notebook.

Learn how it works

Loyalty: points, tiers and what they cost you

Reward customers who come back: set how fast points build per ₹100 spent, whether they expire, and the tiers that let your best customers earn faster. Finocket keeps the balance and the history and decides none of the numbers. Left at zero, the programme earns nothing.

CRM & deals: pipeline, follow-ups and the customer ledger

Work a sales pipeline inside your books: auto-created deals for every captured lead, one-tap invoicing from a deal, follow-ups on WhatsApp or email, a per-client money ledger, and consent-safe lead import.

Clients, projects and invoices

Add clients with GSTIN + state auto-fill. Send invoices (tax invoice, bill of supply, export invoice, receipt or credit note), start from an estimate, or split an invoice into a deposit + milestone schedule.

Browse the full help book

Ready to ditch the spreadsheet?

Free for solo users until 31 Dec 2026 — no partner code needed. ₹99/month after that. No credit card. Your books stay yours.

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