Siebel Loyalty Administration Guide > Setting Up Siebel Loyalty Redemptions > Points-To-Pay Conversion >

About Points-To-Pay Conversion

The points-plus-pay option enables members to use a redemption product despite having an insufficient point balance. For example, redemption prices for a product are 50,000 points or 40,000 points plus $400. A member having only 42,000 points can still use the product by choosing the second option. If a member only has a 30,000 point balance, then loyalty programs can still allow that member to redeem his or her points by providing a loan to the member, as described in Redemption Loans. Loans are primarily given to members in elite tiers who have by their past behavior shown loyalty to the program sponsor.

Some loyalty programs do not want to offer loans to their nonelite members (or to any of their members) in case of an insufficient point balance. In these cases, Siebel Loyalty programs offer an option to their members to pay for the difference using a currency.

Points-to-pay conversion and payment in points-plus-pay are mutually exclusive. That is, if you check the flag for points-to-pay conversion at the program level, then Loyalty only displays the payment mode in points while displaying price options. Siebel Loyalty only offers points-plus-pay pricing options to the member if points-to-pay conversion is not allowed for the program.

Loyalty performs points-to-pay conversion for a point type only if:

• The flag for allowing points-to-pay conversion is checked at the program level.
• The member has insufficient point balance for that point type to pay for redemption.
• The loan eligible for the member in that point type is not sufficient to cover the shortfall.

If multiple products are being redeemed in the same request, and points-to-pay conversions are conducted for multiple price lines, then the currency to which the conversion is done (determined by the currency for the Cost per point field in the price setup) is the same for all price lines. If not, Siebel Loyalty issues an error.