Part of the Oiyaa Group, Oiyaa Technologies has evolved from Instant Discounts Ltd into an AI-driven, modular loyalty infrastructure. At its core sits Oiyai, our proprietary Concierge AI engine, designed to integrate in real-time with global payment systems. Oiyai delivers embedded rewards, intelligent offer delivery, and predictive customer engagement acting as a digital concierge at every transaction
Part of the Oiyaa Group, Oiyaa Technologies is the API-first, AI-driven loyalty infrastructure for the connected economy. Powered by Oiyai, our proprietary Concierge AI, the platform transforms every transaction into an opportunity for real-time rewards and predictive engagement.
Designed for seamless integration, Oiyaa plugs directly into the global payments and commerce stack working with issuers, acquirers, processors, fintechs, retailers, airlines, and more to deliver value-adds-as-a-service that enhance retention, unlock customer insight, and drive growth.
As the API layer for intelligent engagement, Oiyaa makes loyalty embedded, real-time, and scalable turning the payment pipe itself into a channel for smarter customer connection.
Oiyaa is AI-driven and event-based, delivering instant rewards, personalised offers, and intelligent engagement at the moment of payment turning every purchase into a loyalty experience.
For our partners, milliseconds mean margin. Oiyaa processes every transaction in real time, applying the right reward or offer based on merchant rules, customer segments, or card type unlocking new value inside the payment flow and giving you a competitive edge.
Oiyaa runs on your existing payment rails switch on instantly, no extra kit required.
We connect directly to your existing systems no hardware, no disruption. Oiyaa works with your workflow, so you can activate real-time loyalty without changing the way you operate.
At Oiyaa Technologies, we’ve redefined loyalty by making it real-time and unstoppable. Every
transaction is processed in milliseconds instantly applying rewards, discounts, or offers
tailored to merchant rules, customer profiles, and payment card types.
No waiting. No delayed points. Just instant value at the exact moment it matters before
your competitors even get a chance.
Oiyai, our Concierge AI, doesn’t just deliver rewards it transforms engagement. By combining
seamless onboarding, transaction-level processing,
customer profiling, and a single customer view, Oiyaa powers 3–5x higher engagement than
traditional delayed loyalty programs.
Real-time intelligence ensures every interaction is personalised, relevant, and delivered
at the exact moment it matters.
Let's talk about how we can help you increase merchant stickiness, drive revenue, and deliver value-added services at scale. We empower acquirers, banks, terminal providers, and large retailers with embedded loyalty infrastructure that integrates seamlessly and scales globally.
Oiyaa plugs directly into existing payment rails with an API-first, AI-driven infrastructure, creating new revenue streams through real-time rewards, embedded engagement, and data driven insights without additional hardware or disruption.
Oiyaa delivers instant loyalty tools out of the box rewards, gift cards, subscriptions, and customer insights helping them retain customers, increase spend, and compete with larger players.
Oiyaa makes every payment rewarding. Instant value at checkout, personalised offers, and no waiting for points turning every purchase into a loyalty moment.
