How an all-in-one solution delivers a Starbucks Rewards-style customer retention program—while slashing payment processing costs to zero.
Learning from Industry Leaders (Starbucks as a Prime Example)
Major brands have long recognized the profit-driving power of loyalty programs. Consider Starbucks: its Starbucks Rewards setup—integrated with a mobile payment app—has remarkably encouraged recurring visits. In fact, repeat visits from Starbucks Rewards users account for about 40% of the company’s revenue in the UK1. By rewarding each purchase with stars (points) that lead to free products or perks, Starbucks effectively guarantees loyalty and repeat business2. On top of that, Starbucks’ dedicated payment app helps reduce reliance on credit cards, resulting in savings on processing fees.
Historically, only well-funded corporations have been able to afford such tightly integrated payment-plus-loyalty solutions. Meanwhile, smaller businesses often had to settle for separate payment processors (with high fees) and outdated punch-card rewards—if they had any loyalty system at all. Clavaa is disrupting this norm by offering the same closed-loop, all-in-one payment-plus-loyalty model that Starbucks uses, but tailored for local merchants looking to boost customer retention.
Clavaa: A Seamless Merge of Loyalty Program and Payment App
Billed as “the only payment wallet with a built-in loyalty program”3 for merchants, Clavaa allows a small business to implement a ready-made mobile payment system that also tracks and rewards purchases—no more separate loyalty cards or cumbersome POS integrations. Every time a shopper uses Clavaa to pay, they automatically accrue a reward, mirroring how Starbucks grants stars per coffee purchase. You can see how clavaa describes their loyalty program
For small businesses, Clavaa is a turnkey solution to “turn payment fees into customer loyalty”4. Owners receive “the payments, loyalty, and marketing tools of a major brand in one simple app”5. Rather than juggling multiple platforms, you get a unified payment system linked directly to a robust rewards program. Most important, Clavaa processes these wallet transactions at 0% cost to the merchant—a transformational advantage we’ll examine next.
Zero-Fee Payment Processing: Saving 2–3% on Every Transaction
Processing credit cards typically eats up 1.5–3.5% per sale in fees6. For many independent shops, that cuts deeply into profit margins. Clavaa sidesteps these fees entirely: they charge merchants absolutely nothing for wallet-based transactions. As a result, businesses save about 2–3% on each purchase processed through Clavaa7. That can add up to thousands of dollars in annual savings. Clavaa is transparent with its “no fees, no catches”8 stance, helping local entrepreneurs keep more revenue in-house.
Clavaa’s framework resembles Starbucks’ closed-loop model. When customers pay through Clavaa’s app (often linked directly to their bank or a preloaded balance), traditional credit card networks are bypassed—avoiding hefty interchange fees. Those savings create a unique opportunity for small businesses to either enhance profits or reinvest by offering richer loyalty rewards.
Turning Fees into Rewards: A Virtuous Cycle of Loyalty
A notable aspect of Clavaa is how it recycles what would have been processing fees into an incentive for repeat business9. By allocating even a portion of the saved 2–3% per transaction to customer rewards (e.g., points, cashback, or discounts), merchants encourage customers to keep paying with the Clavaa wallet. As shoppers enjoy continuous rewards, they’re more likely to make repeat visits. Some businesses have seen repeat visits increase by as much as 40% after implementing Clavaa’s joint payment-loyalty system10.
It’s a proven formula: the more benefits customers receive, the more they stick around. And because you’re not losing money to credit card fees, you can essentially reinvest those funds into your own client base. It’s a powerful cycle that fosters positive relationships and consistent revenue.
Quick, Simple Setup (No Tech Expertise Needed)
Clavaa’s approach is designed to be straightforward for merchants and customers alike. They tout a “5-minute setup”11 that requires “zero technical setup needed”12. You don’t have to abandon your current card terminal or POS; simply add Clavaa as an option—sometimes via a tablet or QR code at checkout.
Customers, meanwhile, can download Clavaa’s wallet app, link a payment source, and start earning loyalty perks right away. Because consumers are already comfortable with mobile payments (think Starbucks, PayPal, or Apple Pay), the transition feels natural. Once they see they can earn points or cashback at their favorite local shops, adoption becomes seamless.
A Robust Marketing Platform for Small Businesses
Beyond payments and rewards, Clavaa consolidates critical marketing features. By combining transaction data with loyalty metrics, merchants gain insights once reserved for national chains. Clavaa positions itself as providing “the marketing tools of a major brand in one simple app”5, giving you the ability to:
- Identify top spenders and reward them accordingly
- Understand buying patterns to tailor deals or promotions
- Possibly reach out to dormant customers with personalized incentives
Armed with this data, local merchants can run more effective campaigns and cultivate deeper relationships with their clientele—something that smaller shops historically lacked the resources to do.
A New Loyalty Landscape for Main Street
All in all, Clavaa is innovating how smaller merchants handle payments and loyalty. By blending a user-friendly payment wallet with real-time rewards—at zero cost per transaction—it addresses two major hurdles at once: expensive fees and lackluster loyalty programs. In doing so, it brings the Starbucks Rewards model to Main Street.
Thousands of businesses are already tapping into Clavaa to strengthen their customer base and save on processing expenses13. For any local shop aiming to increase foot traffic, drive repeat visits, and put more revenue back into the business (instead of handing it to payment processors), Clavaa represents a leap forward. In a market where consumers are increasingly drawn to perks and conveniences, the ability to offer a premium loyalty experience—without the overhead—can be the deciding factor that keeps them coming back.
By closing the gap between high-end loyalty systems and small business capabilities, Clavaa signals a new era of rewards programs. Now, neighborhood retailers and cafés can replicate the success of Starbucks Rewards while keeping each dollar saved and each loyal customer coming back. For independent owners seeking the cheapest payment processing and a turnkey loyalty boost, it’s worth exploring how Clavaa can elevate both profits and customer satisfaction—proving that the days of disjointed payment systems and dusty punch cards may finally be behind us.
Footnotes
- In fact, repeat visits from Starbucks Rewards members generate around 40% of the company’s revenue in the UK. ↩
- A tactic that “effectively guarantees loyalty and repeat business.” ↩
- Clavaa is described as “the only payment wallet with a built-in loyalty program.” ↩
- Clavaa’s motto: “turn payment fees into customer loyalty.” ↩
- Clavaa provides “the payments, loyalty, and marketing tools of a major brand in one simple app.” ↩ ↩2
- Credit card processing fees typically range from 1.5% to 3.5%. ↩
- Merchants can save approximately 2–3% on every sale through Clavaa’s wallet system. ↩
- Clavaa touts “no fees, no catches” with its processing structure. ↩
- Essentially letting a small business convert what used to be fees into loyalty investment for their own customers. ↩
- Some businesses have reported a 40% jump in repeat visits after adopting Clavaa’s combined payment-loyalty platform. ↩
- Clavaa emphasizes a “5-minute setup” for new merchants. ↩
- The platform states that it requires “zero technical setup needed.” ↩
- According to Clavaa, thousands of businesses already utilize its services to bolster customer loyalty. ↩
