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You don’t need another loyalty app. You need customers who show up, come back, and tell their friends.
For years, the loyalty playbook for service providers – from elective clinics to wedding vendors to childcare centers – has centered around discounts, punch cards, and points systems. But today’s consumer isn’t just looking for another 10% off. They’re looking for control, consistency, and meaningful rewards. And if you’re still only thinking about loyalty as a post-purchase perk, you’re missing the real opportunity.
At Clusivi, we believe loyalty begins before the sale, and that’s why our Plan-to-Pay model helps providers turn one-time inquiries into long-term, prepaid relationships.
Consumers Want More Than Coupons, They Want Control
According to a global survey from EPAM Systems, 93% of consumers have used or would use features that let them customize how they earn or choose their rewards, and 4 in 5 say they prefer to shop with brands that give them that power (1).
This shift isn’t surprising. We’re living in an age of personalization. Consumers don’t want a one-size-fits-all rewards program, they want to engage with businesses on their own terms. They want to feel in control of their journey.
Clusivi’s Plan-to-Pay structure is built around this very idea. It empowers your customers to:
- Choose a service or experience they care about
- Lock in a purchase goal that works for their timeline
- Make structured prepayments over time
- Earn cashback rewards for staying consistent
- Unlock optional non-FICO credit once they reach 50% of their goal
It’s a loyalty loop that starts with intention, and turns financial planning into brand engagement.
Retention Is the Real Revenue Driver
Everyone talks about customer acquisition. But here’s the truth: retention pays better.
- A 5% boost in retention can increase profits by 25% to 95%
- Repeat customers drive 65% of total revenue
- Loyal customers spend 67% more than first-timers
- Top 10% of loyal customers spend 3x more per purchase
- Top 1% spend 5x more than the remaining 99%
And yet, only 18% of companies prioritize retention over acquisition. Most still spend more to get new customers in the door than to keep the ones already interested (2).
That’s where Clusivi flips the script.
By encouraging your clients to plan ahead – and rewarding them for follow-through – we help you secure revenue early and lock in long-term loyalty.
From One-Time Buyer to Ongoing Advocate
Let’s say you run a medspa offering $2,500 treatment packages. A customer visits your site, curious but hesitant. With Clusivi, they don’t need to swipe a credit card or apply for a high-interest BNPL plan. They can:
- Choose your service on the Clusivi platform
- Make a small down payment
- Set up automated prepayments that work for their budget
- Hit 50% prepayment and become eligible for lending (with their own savings as collateral)
You, as the provider, get early deposits, lower no-show rates, and a client who’s invested in the outcome.
It’s no longer a casual inquiry, it’s a committed customer.
More Than Money: Creating a Memorable Experience
Loyalty trends research emphasizes that brands need to expand how consumers can engage with loyalty programs, not just in monetary terms, but emotionally.
While cashback and discounts offer immediate value, combining financial incentives with a personalized experience is what builds true loyalty (3).
Clusivi isn’t just a payment solution. It’s a way to foster trust, reduce friction, and give your customers an experience that feels tailored, thoughtful, and empowering.
This is especially important in high-trust industries such as weddings, childcare, and elective procedures, where decision-making can be emotional and financially intimidating.
Why Now? Economic Uncertainty Meets Brand Hesitancy
Consumers are more cautious in 2025. Inflation may be cooling, but financial anxiety hasn’t. Most people are rethinking their spending habits, skipping credit cards, and delaying big decisions.
That’s bad news for providers…unless you offer them a better way to plan.
Clusivi gives consumers the control they’re craving without the debt they’re trying to avoid. For you, that means:
- Lower marketing costs per conversion
- Higher completion rates
- Reduced churn and rescheduling
- Stronger reviews and word-of-mouth referrals
When your clients feel confident about their payment plan, they’re more likely to stick with you, and more likely to recommend you.
Clusivi = Prepaid Loyalty + Low-Risk Lending
Most “loyalty programs” are afterthoughts. They kick in after the transaction. But what if the loyalty was built in from the first payment?
Clusivi’s Plan-to-Pay system does exactly that. It lets consumers show commitment over time while earning rewards, accessing ethical credit, and proving financial discipline.
For providers, this means:
- Revenue stability
- Lower default and cancellation risk
- Long-term brand ambassadors, not just one-time buyers
It’s a win-win cycle where every prepayment builds momentum, trust, and brand equity.
Ready to Turn Interest Into Loyalty?
If you’re tired of transactional customers and want deeper, more lasting relationships with the people you serve, Clusivi is your ally.
We don’t just help people afford your services, we help them plan, commit, and come back.
Let’s build loyalty that actually lasts.
