Spend points on a bill: the loyalty adjustment policy

A spending policy says how many points make how many rupees of discount. At the till the cashier presses Loyalty discount card, types the discount, and the bill total drops. Spent points are taken off the customer's balance.

Retail POS Loyalty
4 min read
Updated October 20, 2026

For Cashier Supervisor or shop manager Accountant

Set the spending rule

Open the screen
Who
Supervisor or accountant
Where
Loyalty > Adjustment Policy (tab Loyalty adjustment policy)
What changes
The list shows the spending policies.
Add a policy
Where
Add
What changes
Fill the dates, Loyalty point and Loyalty amount. The example on the form: loyalty point 100 and loyalty amount 10 give Rs 10 of discount for every 100 points.
Save
Where
Save
What changes
The policy runs between its start and end dates when it is Active.

Spend points at the till

Choose the customer
Who
Cashier
Where
POS Sales > the three dots > Customer
What changes
When the customer's balance is at least the required points, the screen shows "Required points: n (Rs. m)" and "Balance points: n", and the Loyalty discount card button turns on.
Press Loyalty discount card
Where
Loyalty discount card
What changes
A box Loyalty discount appears.
Type the discount
Where
Loyalty discount
What changes
The amount in rupees to take off. Leave the box: the Total drops by that amount. If it is more than the customer's points are worth, the screen says "Loyalty discount amount exceeded." and clears the box.
Take the rest of the payment and save
Where
Cash, Bank/Wallet Payment, Sales/Print
What changes
The points spent are taken off the customer's balance and the points earned on the new total are added.

The discount is not a payment. It lowers the bill itself, so the receipt and the VAT follow the lower total (VAT, rounding and the kind of invoice).

What happens when you save a bill with points spent

Area	Change
The bill	The loyalty discount lowers the total; the receipt shows the lower total
Customer's points	The points spent are taken off and the points earned on the new total are added
Cash and bank	Only the rest of the bill is paid in cash, bank or gift card
Accounting	The discount is booked on the bill like any other discount; no separate entry
A later return	The points spent are not given back (Sales return: take goods back)

Worked example: spending 300 points on a bill of 1,500

The spending policy is Loyalty point 100 and Loyalty amount 10: every 100 points are worth Rs 10. The collection policy earns 10 points for every Rs 100. The customer has a balance of 700 points, which are worth up to Rs 70.

Step	What the screen shows
The customer is chosen	"Required points: 100 (Rs. 10)" and "Balance points: 700"; the Loyalty discount card button turns on
The bill comes to 1,500 before points (goods without VAT, to keep the figures simple). The cashier presses Loyalty discount card and types 30 in Loyalty discount	The Total drops to 1,470
Had the cashier typed 80 instead	"Loyalty discount amount exceeded." and the box is cleared: 80 is more than the 70 the points are worth
With 30 in the box, the cashier takes the 1,470 and saves	The bill is saved for 1,470

The customer's points	Points
Before the bill	700
Spent: 30 x 100 / 10	-300
Earned on the new total: 1,470 x 10 / 100	+147
After the bill	547

If goods from this bill are later returned, the points earned on the returned amount are taken back, but the 300 spent points are not given back (Sales return: take goods back).

Common questions

The Loyalty discount card button is grey.

No customer is chosen, or the customer has fewer points than the policy's required points, or no spending policy runs today.

The customer has points on the report but the till shows less.

The report and the till can differ after a manual loyalty adjustment or a customer mapping (Loyalty customers, manual adjustments and the points report).

Can points pay for part of the bill only?

Yes. The discount is the amount you type, up to what the points are worth.

The VAT on a bill with points looks lower. Is that right?

Yes. The points lower the bill itself, so the receipt and the VAT follow the lower total.