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Club Pay unlocks stored value and faster checkout.

Club Pay is Tiquo's stored-credit ledger for customers and companies. Issue or sell credit, control where it can be used, apply it at checkout, and track every load, redemption, adjustment and refund alongside orders, memberships and reporting.

Tiquo Club Pay Dashboard

A single platform for hotels, spas, classes, events, restaurants, and more.

Stored Value

Wallet balances made simple.

Stored balances customers love.

Give guests the option to preload value into their Club Pay wallet with credit or plan top-ups.

Faster, smoother checkout.

Customers can pay with their wallet balance instantly, reducing time at checkout and increasing throughput.

Flexible balance rules.

Configure how balance can be used, when it expires, and what services it applies to.

Club Pay interface
By the numbers

More revenue. Lower costs.

Up to
25%

higher spend from wallet users vs card payments1

Up to
60%

reduction in payment processing fees2

Up to
3x

increase in repeat visit frequency3

Payment Integration

Connected to your payment flows.

Integrated with bookings and services.

Club Pay balance is applied at checkout for bookings, classes, services, products or packages without extra steps.

Part of your payment ecosystem.

Use Club Pay alongside standard card payments, deposits, invoices and split payments.

Automatic reconciliation.

Club Pay transactions flow automatically into reporting without manual matching.

Loyalty & Revenue

Increase loyalty and repeat revenue.

Drive customer retention.

When customers hold balance with your business, they are more likely to return and spend again.

Credits and promotions included.

Issue credits, bonuses or incentives that increase wallet activity and engagement.

Build predictable revenue patterns.

Prepaid value drives repeat visits and brings revenue forward into your reporting.

Team & Customer

Team-friendly and customer-centered.

Clear balance visibility.

Staff can see wallet balance and activity while serving customers or assisting with bookings.

Customer self-service.

Customers can check their balance, top up or see activity from their profile or portal.

Flexible refund and transfer options.

Refund unused balance or transfer value between customer profiles when appropriate.

FAQ

1. Based on Tiquo customer data comparing wallet vs card payment transaction values.

2. Based on fee analysis for businesses processing 80%+ of transactions via Club Pay.

3. Based on visit frequency analysis for Club Pay wallet holders vs non-wallet customers.

Increase loyalty and repeat revenue.

A single platform for hotels, spas, classes, events, restaurants, and more.

© 2026 Tiquo. "Tiquo" and the Tiquo logo are registered trademarks of Tiquo Ltd.

GDPR · CCPA · PCI DSS · ICO · Cyber Essentials Certified · EU–US DPF · SOC 2 Type II (in progress) · ISO 27001 (in progress)

Security & Operational

  • 99.99% SLA Uptime
  • AES-256 encryption at rest
  • TLS 1.3 in transit
  • AES-256 / TLS 1.3
  • Perfect Forward Secrecy (PFS)
  • HTTP Strict Transport Security (HSTS)
  • 99.999999999% (11 nines) data durability
  • Automated backups
  • DDoS protection
  • Web Application Firewall (WAF)
  • Zero Trust posture
  • Role-Based Access Control (RBAC)
  • Principle of Least Privilege
  • Secret scanning in CI
  • SBOM generation
  • Dependency supply-chain controls
  • 24/7 infrastructure monitoring
  • GDPR Article 22 safeguards
  • Data Protection Impact Assessments (DPIAs)
  • Records of Processing Activities (ROPA)
  • SAML 2.0 SSO
  • EASIE SSO
  • OAuth 2.0 / OpenID Connect (OIDC)
  • SCIM 2.0 provisioning
  • MFA / 2FA enforcement
  • Responsible disclosure / bug bounty programme

Privacy, Data Protection & Statutory Obligations

  • ICO Registered
  • UK Modern Slavery Act 2015 compliant
  • UK Public Interest Disclosure Act 1998 compliant
  • EU Article 27 Representative appointed (Paris, France)
  • Swiss FADP Article 14 Representative appointed
  • UK GDPR compliant
  • EU GDPR/DSGVO compliant
  • UK Data Protection Act 2018 compliant
  • Swiss revFADP compliant
  • CCPA / CPRA compliant (California)
  • VCDPA compliant (Virginia)
  • CPA compliant (Colorado)
  • CTDPA compliant (Connecticut)
  • TDPSA compliant (Texas)
  • OCPA compliant (Oregon)
  • MCDPA compliant (Montana)
  • FDBR compliant (Florida)
  • ICDPA compliant (Iowa)
  • ICDPA compliant (Indiana)
  • TIPA compliant (Tennessee)
  • DPDPA compliant (Delaware)
  • NJDPA compliant (New Jersey)
  • NHDPA compliant (New Hampshire)
  • NDPA compliant (Nebraska)
  • MCDPA compliant (Minnesota)
  • MODPA compliant (Maryland)
  • KCDPA compliant (Kentucky)
  • RIDTPPA compliant (Rhode Island)
  • Canada PIPEDA compliant
  • Quebec Law 25 compliant
  • Alberta PIPA compliant
  • British Columbia PIPA compliant
  • Singapore PDPA compliant
  • Hong Kong PDPO compliant
  • Brazil LGPD compliant
  • Japan APPI compliant
  • Australia Privacy Act / APPs compliant
  • India DPDPA 2023 compliant
  • Thailand PDPA compliant
  • Malaysia PDPA 2010 (as amended 2024) compliant
  • New Zealand Privacy Act 2020 compliant
  • South Africa POPIA compliant
  • UAE PDPL compliant
  • Mexico LFPDPPP compliant
  • Kenya Data Protection Act 2019 compliant
  • Ghana Data Protection Act 2012 compliant
  • Nigeria NDPA 2023 compliant
  • Indonesia PDP Law 2022 compliant
  • Philippines Data Privacy Act 2012 compliant

Global Fiscal & E-Invoicing

  • EN 16931 - EU e-invoicing core standard
  • UBL 2.1 - Universal Business Language
  • Austria - RKSV
  • Belgium - Peppol BIS 3.0 (B2B)
  • Czechia - fiscalization
  • Croatia - Fiscalization 2.0
  • Denmark - Peppol BIS 3.0 (B2B)
  • France - NF525 / LNE / Infocert, Factur-X / PDP, E-Reporting
  • Germany - KassenSichV / TSE, DSFinV-K, GoBD, E-Rechnung B2B (XRechnung / ZUGFeRD)
  • Hungary - Online Szamla
  • Italy - Scontrino, FatturaPA (via SDI)
  • Lithuania - i.SAF / i.MAS
  • Norway - Peppol BIS 3.0 (B2B), SAF-T
  • Poland - KSeF
  • Portugal - ATCUD/QR, SAF-T PT
  • Slovakia - eKasa
  • Slovenia - fiscalization (davcno potrjevanje)
  • Spain - FacturaE, SII, VeriFactu, TicketBAI
  • Sweden - SKVFS (certified cash registers)
  • Argentina - ARCA (Q4 2026)
  • Australia - Peppol PINT A-NZ (Q4 2026)
  • Brazil - NFe, NFCe, NFSe (Q4 2026)
  • Chile - SII Chile (Q4 2026)
  • Colombia - DIAN (Q4 2026)
  • Finland - Finvoice, TEAPPSXML (Q4 2026)
  • Japan - JP PINT (Peppol) (Q3 2026)
  • Malaysia - Peppol Malaysia (Q4 2026)
  • Mexico - CFDI (Q4 2026)
  • New Zealand - Peppol PINT A-NZ (Q4 2026)
  • Peru - SUNAT (Q4 2026)
  • Romania - Peppol (RO e-invoice) (Q4 2026)
  • Saudi Arabia - ZATCA (Q4 2026)
  • Singapore - Peppol BIS 3.0 (Q4 2026)
  • United Arab Emirates - Peppol (5C) (Q4 2026)

Standards & Frameworks

  • Cyber Essentials Certified
  • SOC 2 Type II - audit in progress
  • ISO/IEC 27001 - audit in progress
  • NIST Cybersecurity Framework - aligned
  • NIST Privacy Framework - aligned
  • NIST SP 800-53 / 800-63 / 800-63B - aligned
  • NIST AI Risk Management Framework - aligned
  • CIS Critical Security Controls / CIS Benchmarks - aligned
  • OWASP ASVS & OWASP Top Ten - aligned
  • ISO 25010 (quality) - aligned
  • ISO 31000 (risk) - aligned
  • ITIL - aligned
  • W3C Web Standards - aligned
  • OpenAPI Standard - aligned
  • DevSecOps practices - aligned
  • ePrivacy Directive - aligned
  • EU Whistleblowing Directive (2019/1937) - aligned

Payments Compliance

  • PCI DSS Level 1
  • PSD2 / Strong Customer Authentication
  • 3D Secure (3DS)
  • EMVCo Level 1 & 2
  • AML / KYC controls
  • Sanctions screening (OFAC, UN, EU, HMT)

International Data Transfer Mechanisms

  • EU-US Data Privacy Framework
  • EU Standard Contractual Clauses (Decision 2021/914) - Modules 2 & 3
  • UK International Data Transfer Agreement (IDTA) + ICO Addendum
  • Swiss FDPIC-recognised transfer mechanisms
  • APEC Cross-Border Privacy Rules (CBPR)

Accessibility Compliance

  • ADA (Americans with Disabilities Act) - aligned
  • European Accessibility Act (EAA) 2025 - aligned
  • WCAG 2.2 - aligned
  • EN 301 549 - aligned
  • WAI-ARIA - aligned

A single platform for hotels, spas, classes, events, restaurants, and more.

Tiquo Ltd
London, UK

LinkedInTop Performer Spring

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