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Point wallets control how points are earned, stored, spent, and expire. Point wallets work like a card definition or a set of rules for loyalty cards that are generated and then assigned to loyalty program members. Go to Loyalty hub > Point wallets to Create point wallet. You can also create a point wallet in the loyalty program Designer when creating a new loyalty program.

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Create a point wallet

Some settings depend on each other. If something is incompatible, you will see an Action required message. You can also Save draft and finish the point wallet setup later.
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General settings

Define the basic behavior of the point wallet:
  • Type:
    • Individual: Points are assigned to individual members.
    • Team (feature not released yet): Points are assigned to one card that’s shared by several members.
  • Allow card balance to go below zero: Members’ point balance can go below zero.
This setting affects refunds and points expiration. Some options, such as revoking points below zero or expiration rules, depend on it.
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Code config

Define how point wallet-related codes are generated:
  • Charset: Choose a predefined set, for example alphanumeric, or define your own.
  • Code length: Defines how many random characters the code contains.
  • Pattern: Create a custom structure using placeholders.
  • #: Replace with a random character from the selected charset. Overrides the code length.
  • Prefix and Postfix: Optional values added at the beginning or end of the code.
Code preview shows an example of a generated code.The number of possible unique codes depends on the selected charset and code length.
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Points expiration

Define when points expire.
Points never expire. No additional setup is required.
Points expiration is available only when Allow card balance to go below zero is disabled. If negative balance is enabled, only No expiration – points never expire is available.Time-related settings in point wallet configuration use the time zone configured in Project settings.
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Pending points

Define when earned points become available.Pending points can’t be spent until they’re activated. Activation moves points from pending to the active balance.
Points activate immediately after earning.If pending points are set to Immediate, you cannot use From pending in Refunds → Earned points refunds, because points are activated right away. Choose a different pending points type if you need to revoke points before activation.
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Earning limits

Control how customers earn points.Both Global earning limit and Transactions earning limit can apply at the same time, and the more restrictive condition applies.
Defines the overall limit on points a member can earn.
  • No limit: Members can earn an unlimited number of points.
  • Limited: Members can earn points only within the configured limits. When Limited is selected, configure the limit type:
    • Balance-based: Limits the maximum number of points a member can earn in total during the program lifetime. Max balance: Defines the maximum active point balance a member can reach. Once reached, the member won’t be able to earn more points.
    • Time-based: Limits how many points a member can earn within a selected time period. Period unit: Defines the earning period (day, week, month, quarter, year). The period is a calendar period, so for week it’s between Monday and Sunday, depending on locale settings. Max points per period: Defines the maximum number of points a member can earn during the selected period. Once reached, the member won’t be able to earn more points during that period.
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Spending limits

Control how customers spend points.Both Global spending limit and Transactions spending limit can apply at the same time, and the more restrictive condition applies.
Defines the overall limit on how many points a member can spend.
  • No limit: Members can spend an unlimited number of points.
  • Limited: Members can spend points only within the configured limits. When Limited is selected, configure the limit type:
    • Spending-based: Limits the total number of points a member can spend across all transactions. Max lifetime spending: Defines the maximum total number of points a member can spend. Once reached, the member won’t be able to spend more points.
    • Time-based: Limits how many points a member can spend within a selected time period. Period unit: Defines the spending period (day, week, month, quarter, year). The period is a calendar period, so for week it’s between Monday and Sunday, depending on locale settings. Max points per period: Defines the maximum number of points a member can spend during the selected period. Once reached, the member won’t be able to spend more points during that period.
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Pay with points

Configure how customers can use points to pay for orders.Enable pay with points to allow payments using points.When enabled, define the conversion formula:
  • Amount unit: Fixed base unit (1 minor currency unit, for example 1 cent). This value cannot be edited.
  • Points needed: Number of points required to pay for that unit.
The formula result defines how many points are needed to pay for 1 amount unit.For example, 111 means 111 points pay for 1 unit (for example, 1 cent in USD).You can:
  • Enter a formula manually
  • Use Build formula to create it using the formula builder
  • Reuse an existing expression in Expression output
Use numeric values or functions such as ORDER_METADATA("property") to create dynamic conversion rules.
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Return policy

Control how refunds affect points.Point refunds and Point deduction are applied separately.
Defines whether points used in a transaction are returned after a refund.
  • Non-refundable: Spent points are not returned.
  • Refundable: Spent points can be returned after a refund.
When Refundable is selected, configure the refund type:
  • Refund all: Returns all spent points.
  • Refund by item: Returns points related only to refunded items (not supported yet).
  • Refund by amount: Returns points proportionally to the refunded amount (not supported yet).
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Metadata

Add custom attributes for tracking, optimizing, or experimenting.You can either:
  • Use an existing metadata schema.
  • Add unknown property: Metadata that isn’t defined and won’t be added to the schema.
  • Add to schema: Define new metadata schema. Once saved, reload the schema to use the new metadata.
Read Metadata to learn more about custom attributes.
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Summary

Review your configuration before saving.If everything is valid, Save becomes available.If something is incompatible, you will see Action required. Go to step to return to any section and make changes.You can also Save draft of the point wallet and return to the configuration later.
Once saved, the point wallet is created in an active state and can be used in loyalty programs.
Save and activate point walletSaving a point wallet makes it ready to use. However, you won’t be able to edit the point wallet configuration with the exception of metadata and pay with points.
If you use Save draft, the point wallet is saved in draft status and can be completed later.

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Point wallets in loyalty programs

You can create and manage point wallets directly while working on a loyalty program in the Designer.

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Create a point wallet in a loyalty program

Prerequisite: Loyalty program draftYou can create or add point wallets only to a loyalty program that’s in a draft state.
In the Programs, open a loyalty program. In the Building blocks panel, use + next to Point wallets. This opens the same point wallet builder used in the Point wallets section. The point wallet is created while you are working inside a program. You can assign it to the program immediately. The point wallet is still saved globally and can be reused.

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Use point wallets in a program

In the program Designer, you can assign and manage point wallets directly in the program view. In the Building blocks panel, you can:
  • View all available point wallets and their status
  • Assign a point wallet to the program
  • Create a new point wallet using +
  • Open a point wallet to view its full configuration and manage its status
In the Point wallets section, you can:
  • View point wallets assigned to the program
  • Edit or unassign a point wallet
  • Assign an existing point wallet or create a new one
  • Assign a tier structure to a point wallet
Point wallets are global objects, so assigning them to a program does not create a copy. Changes to a point wallet apply everywhere it is used. Unassigning a point wallet removes it from the program but does not delete it.

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Managing point wallets

Go to Loyalty hub > Point wallets. After you create a point wallet, it appears in the Point wallets section. Use the three-dot menu (⋮) to:
  • Activate or deactivate a point wallet
  • Edit the point wallet
  • Delete the point wallet
Active point wallets can be used in loyalty programs. Deactivated point wallets remain available but cannot be used until reactivated. Click on a point wallet to check its configuration details. Point wallets can be combined with the following features to build more advanced loyalty program flows.
You can use custom events to trigger Voucherify logic based on events defined in your integration.Custom events can be used for segmentation, validation rules, distributions, loyalty automation, and selected event-based configurations.
Point wallets can be assigned directly to loyalty programs in the program Designer.The same point wallet can be reused across multiple programs.
You can assign a tier structure to a point wallet from the program view.Tier structures can be used together with point wallets to build tier-based loyalty programs.
Last modified on July 27, 2026