01 · StayThe guest
The guest
pays on MobiPay.
Paid $1,200.00Visa · routed in GBP · approved
nowHigh tickets, foreign cards, many currencies. MobiPay routes each payment to the acquirer most likely to approve it.
↗A payment moves money once. A loop moves it again.
Luup turns a brand's own customers into its best sales channel. Luup Pay is where everything they earn comes home.
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Round cleared · +$15.00Solenne Resorts · today's card
Tier 2 · SharedYOUR RANK
Omar, Priya and 21 moreYour network this week
In reviewSOLENNE · WITHIN A DAY
Approved · +$40.00Paid to your Luup Wallet
James booked the Ocean VillaVia Layla's page · +$60.00 royalty
5% royaltyEVERY REPEAT ORDER TOO
Priya's post · 312 likesShop this · 18 sales from it
luup.app/i/laylaINVITE COPIED
23 people in Layla's networkShe earns a share when they sell
4.5%ONLY ON REVENUE DRIVEN
AED 6,210DUBAI
$18,420NEW YORK
£2,240LONDON
€1,860PARIS
$24,978TOTAL
Sara received £420.00London · 2 seconds · free
Live quote30 S
Apple WalletADDED
Frozen in one tapCARD
Maison LumièrePaid with Luup · +$5.24 back
+ $18.20LUUP WALLET
01 Luup · Community
Your best customers, in one place.
Luup gives a brand's guests, regulars, fans and staff a home under the brand's own name. Every day they get a short card of things to do, and every one of them pays.
02 Missions
Small asks. Real rewards.
Brands set missions: film a room tour, review a stay, bring a friend to dinner. Members add proof, the brand approves, and the reward lands in their wallet. Always on top of royalties, never instead of them.
03 Storefronts
Every member, a storefront.
Each member gets their own page of the things they love. When a friend books or buys through it, the sale is tracked to that person, and they earn a royalty on it and on every order after.
04 Recruitment
Members bring members.
Every member can invite the people they know, into groups around the brands they love. When those people sell, the person who brought them earns too, so the community grows itself.
05 Royalties
Royalties that keep paying.
Members earn a royalty on every sale they drive, for as long as that customer keeps buying. When someone they invited makes a sale, they earn a smaller share too. The brand sets every rate and pays only on real revenue. Luup takes 4.5% of it, and nothing else.
06 Luup Pay · One balance
Where it all comes home.
Every royalty and reward lands in Luup Pay. Dollars, pounds, euros and dirhams side by side, each with its own local account details, and one live total on top.
07 Send
Slide to send. That’s it.
Pick someone, type an amount, slide. The quote refreshes every 30 seconds, the fee is shown up front, and it lands in seconds when they are on Luup.
08 Card
A card that pays you back.
Virtual the moment you join, metal when you want it. Every tap earns cashback into your Luup Wallet, and it spends from whichever currency matches the price.
09 Pay with Luup
Checkout in a single slide.
Every store on Luup Pay Checkout gets one button. Shoppers pay from any balance, join Luup in the same tap, and earn back on every order.
10 Luup Wallet
Shop. Share. Get paid back.
Cashback from every purchase, and royalties when friends buy what you recommend, land in your Luup Wallet. Spend it with every brand on Luup, or withdraw it.
Luup Pay · for merchants
Luup Pay Checkout.
A payment gateway for online stores. One button that takes every way to pay, settles to the merchant, and turns every shopper into a Luup member who earns back.
Maison LumièreNew inKnitwearAccessoriesBag (1)
Accessories
Cashmere scarf
$129.00
IvoryCamelCharcoal
Earn $5.16 back to your Luup Wallet
Free delivery and returns. Ships in 2 days.
PayingMaison Lumière
Layla Rahmanlayla.rahman@icloud.com · Luup member
Cashmere scarf, Ivory$129.00
DeliveryFree
Total$129.00
+$5.16to your Luup Wallet, 4% back at Maison Lumière
Secured by Luup Pay. You can change how you pay any time.
Paid. Thank you.
Maison Lumière has your order. Receipt sent to layla.rahman@icloud.com.
L+$5.16 on its wayLands in your Luup Wallet when the order ships
Share it, earn royalties
When friends buy the scarf through your link, 6% comes back to you.
luup.link/layla/scarf
Today
LiveGood afternoon, Maison Lumière
Volume$48,210.40+12% vs last Monday
Payments386Average $124.90
New Luup members214Joined at checkout today
Sales from recommendations18%$1,284 royalties paid
Volume by hourLuup balance · Card · Apple Pay
Next payout$47,180.22To business account •••• 7781Settling now
CustomerMethodRewardsAmount
Every way to pay
Cards, Apple Pay, Google Pay and Luup balances, behind one button.
Every shopper joins
A Luup account is created at checkout. No forms, no app download.
Royalties built in
Shoppers share what they buy. Merchants pay royalties only on sales that happen.
One integration
Plugins for the major store platforms, plus one API for everything else.
Chapter three · Hospitality
Win back the direct booking.
Hotels hand online travel agents around a fifth of every booking, and the agent keeps the guest. Luup turns the people who already love a hotel into its channel, and MobiPay's rails take the money in and pay it back out.
Solenne Resorts · exampleOne stay should
One stay should
bring the next.
Every guest who loved their stay gets a storefront, a mission and a royalty. Their friends book direct.
Layla shared her stay1,284 clicks this month
James booked 3 nights · $1,200Via Layla's page · paid on MobiPay
+$60.00 royaltyClears when the stay completes
Through an online travel agent
~20%
of every booking, gone to the agent. The guest's details and the next stay go with it.
- The agent owns the guest
- Fees on every booking, repeat stays included
- No idea who sent them
Direct, through Luup
~9.5%
A 5% royalty to the guest who sent them, plus Luup's 4.5%. Paid only on stays that happen.
- The hotel owns the guest
- Tracked to the person who sold it
- Every guest can bring the next one
02 · ShareEvery guest,
Every guest,
a storefront.
Room tour posted · +$40Mission approved by Solenne
2hA mission to film the room, a storefront link to share it. The hotel's best marketing, made by people who stayed.
↗03 · Book againTheir friends
Their friends
book direct.
James booked 3 nights+$60.00 royalty to Layla
4hOmar booked the spa+$12.00 royalty
Booked on the hotel's own site, paid on MobiPay, royalty into Luup Pay. Then the loop starts again.
↗Your numbers
Average booking$1,200
Bookings moved direct, per month150
OTA fees today20%
Royalty to the guest who sold it5%
Every month
Paid to agents today$36,000
Paid through Luup instead$17,100
Kept by the hotel$18,900$9,000 to guests as royalties, $8,100 to Luup
Illustrative. The hotel sets its royalty rates. Processing fees not shown.
Past guests
Share the stay they loved and earn on every friend who books, for life.
Staff
The concierge and front desk sell spa days, dinners and the next stay, and get paid for it.
Friends they bring
Every new guest can become a member, so one great stay keeps paying back.
Why MobiPay first
2,500 travel and hospitality merchants already pay on MobiPay.
The payments are already flowing. Luup gives each one a reason to happen again: a community, a mission and a royalty around every stay, live on the hotel's own brand.
MobiPay figures as shared by MobiPay on 27 October 2026. OTA fees vary by market and contract; 15 to 25% of the room rate is typical. All other numbers are examples.
Prototype
Now, try it.
The whole loop, in one app. Clear today's card, finish a mission, drive a booking, then open Luup Pay and spend what you earned. It all works, with example data.
Chapter four · Together
Rails, loop and wallet.
MobiPay moves the money. Luup gives it a reason to move again. Synqt carries it across borders. Here is how the three fit, and what we bring to the next meeting.
01 Who does what
Clear lines, from day one.
MobiPay
Moves the money.
- Acceptance across 200+ acquirers and methods
- Smart routing and decline recovery
- Settlement and merchant payouts
- Virtual IBANs and FX through Como
Luup
Builds the experience.
- Branded community, missions and storefronts
- Royalties engine and person-level attribution
- Luup Pay wallet and checkout front end
- Merchant dashboards, built on MobiPay's API
Synqt
Carries it across borders.
- Cross-currency member wallets
- Cross-border payouts
- Spending earnings back with the brand
02 Where MobiPay fits
We build the experience. MobiPay powers the money.
Every step of the loop is a payment event. Luup's own engineers integrate straight against the MobiPay API, so there is no lift for MobiPay's team.
ServiceWhoUsed for
Acceptance and processingMobiPayBookings, checkout and wallet top ups
Routing and decline recoveryMobiPayInternational guests and high tickets
Settlement and merchant payoutsMobiPayHotels and stores on Luup
Member payoutsMobiPayRoyalties and rewards to cards and banks
Virtual IBANs and FXComoMulti-currency pockets in the EEA
Cross-currency walletsSynqtMembers spending across borders
Community, missions, royaltiesLuupEvery brand on Luup, white label
03 One shared pool
Margins shrink. The loop grows.
Processing margins keep getting thinner. Luup's 4.5% is paid on revenue the community creates, so it grows as the loop grows. Put the three together and split them on one agreed formula.
Processing margin+FX+Luup's 4.5%=One shared pool
04 The next meeting
What we bring to the table.
- A hospitality demo, liveLuup running end to end for a hotel brand, on the hotel's own name.
- The sandbox, connectedMobiPay checkout, webhooks into attribution, wallet funding and member payouts.
- Como and Synqt in the roomVirtual IBANs, FX and cross-border wallets for members, scoped together.
- The shared pool, agreedProcessing margin, FX and the 4.5%, as one model, and a first hotel to pilot with.
Let's close the Luup.
Second meetingWeek of 2 NovemberWhereDubaiWhoMobiPay · Luup · Synqt
Prepared for MobiPay, October 2026. Prototype with example names, balances and rates.Apple Wallet is a trademark of Apple Inc.