Zeal vs Yoyo, now Neal Street Rewards: app loyalty or card machine loyalty

Yoyo, now Neal Street Rewards, runs pay-and-earn loyalty apps for coffee chains and campuses, including apps for Caffè Nero, Harris + Hoole and PAUL UK. Customers install the app, link a payment card and show a QR code at the till to pay and earn. Zeal runs on the card machine instead, recognising customers from the card they already pay with.

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Customer tapping a phone on a Zeal-enabled card machine showing loyalty stamps

Award-winning value-added services for payment terminals

How customers earn: Neal Street Rewards vs Zeal

With Neal Street Rewards, the customer needs the app: they register, link a card or Apple or Google Pay, and show a QR code that pays and earns in one scan. With Zeal, the customer taps their card as usual; Zeal recognises the card, new customers join in a couple of taps on the card machine screen, and points, stamps or vouchers are awarded during the payment.

Recognise your regulars, then reward them

Zeal identifies the customer from the card, enrols new ones in a couple of taps on the terminal screen, and awards points, stamps or vouchers during the payment. Your customer database grows with every card payment, with nothing for the customer or your staff to remember.

Choosing between Zeal and Neal Street Rewards

Neal Street Rewards may suit you if you are a chain that wants its own branded pay-and-earn app with digital receipts. Zeal suits you if you want every customer who pays by card to be able to earn, without an app, on the card machine you already have.

Zeal versus Yoyo comparison lockup

A globally-recognised award-winning solution

Zeal has been recognised by Visa, Ingenico and other global industry leaders, has been nominated for London Fintech Week and has won multiple international awards.

ZEAL IN ACTION

Zeal is revolutionising payments & loyalty for merchants. Merchants using Zeal have witnessed massive boosts in customer retention, loyalty programme participation and overall sales.

28%

boost in retention rate for a leading burger chain in Cairo, Egypt

Loyalty points icon
80%

of customers engaging with loyalty on Zeal for its convenience and ease of use

Rewards gift box icon
12%

increase in sales attributed to retention and CLV boost using Zeal

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Explore more features

Discover more ways Zeal can realise the full potential of your card machines and grow your business.

Effortless Loyalty

Make loyalty effortless for your customers

Run frictionless loyalty programmes on your card machines without the need for any extra steps, QR, or loyalty cards.

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Identify Customers

Your card machines can identify & segment your..

Zeal turns your card machines into powerful data sources, giving you actionable insights about your customers.

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Remarketing Tools

Your card machines as loyalty engines

With Zeal, your card machines can run hyper-personalised marketing campaigns for your customers.

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Powerful Analytics

Realise the full potential of your in-store data

With Zeal, you can gain deeper insights into your customers and utilize data to boost retention.

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Testimonials

Don’t take our word for it

"Mellon’s payment solutions are designed to offer acquirers and merchants a competitive edge, and Zeal amplifies that. From personalised loyalty programmes to real-time customer insights, Zeal transforms every payment into an opportunity for engagement and growth."

Manos Perdikaris

Business Unit Manager

"Partnering with Zeal reinforces our commitment to delivering next-generation payment solutions. As the leading Android POS provider, we’re driving innovation and transforming in-store experiences through smarter, simpler, and scalable payment technology."

Jean-Philippe Niedergang

CCO and CEO of EMEA Region

"Zeal's loyalty technology, integrated into Ingenico’s Android solutions, enables merchants to identify, engage and reward customers effortlessly. Together, we're not just processing payments; we're shaping the future of customer loyalty in physical retail, setting new benchmarks for personalised engagement."

Boris Ferlet

SVP, Android & Partner Ecosystem

"At BRGR, we believe in keeping things simple: great burgers, great service, and a frictionless ordering & loyalty experience with Zeal. Our customers love how easy it is to earn and redeem rewards, and we love seeing them come back for more."

Ahmed Hanafi

Founder & CEO

"Luxury is about personalisation, and Zeal helps us bring that to life. Now, our clients can enjoy a tailored loyalty experience, ensuring their visits are always rewarded in a way that feels exclusive and effortless."

Mostafa Al Sagheer

CEO

ROI

How much is in it for you?

How many card machines do you have?

5

What’s your approximate annual turnover (£)?

50,000
Your projected annual turnover with Zeal

52,500

based on a 5-12% uplift in retained sales
Pricing

Zeal has flexible pricing to fit your business needs

Talk to sales to learn more about ongoing deals or partnership opportunities.

Basic plan

Free

Enable your card machines to recognise your customers and collect feedback after every transaction.

Get Basic plan
Features

A Basic plan enables you to:

Brand your card machine screens

Collect customer feedback for every transaction

Access basic reports

Premium plan

Custom

pricing

Provided through your payment provider, on revenue share or an annual licence across nominated terminals.

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Features

All features available in the Basic plan, plus:

Offer zero-friction loyalty on your card machines

View customer profiles and insights

Export powerful reports

View transactions history

Get priority support for your business

Commercials are agreed with your payment provider. For enterprise arrangements, please contact us.
Awards

Zeal is a globally-recognised award-winning solution

UK Fintech Awards 2026: Winner, Team of the Year and Winner, Innovator of the Year (Belal Mohamed, CTO) · Juniper Research Future Digital Awards 2023: Platinum, Payment Terminal Innovation · The Card & Payments Awards: 4x Finalist 2024 · UK Chartered Institute of Export: Innovation in Trade 2024 · Ingenico Making Data Pay Awards 2023: 1st Place

Fintech Awards London
Visa Everywhere Initiative Finalist 2020
UCL Centre for Digital Innovation
Barclays Eagle Labs
Ingenico
The Card & Payments Awards
Fintech Awards London
Visa Everywhere Initiative Finalist 2020
UCL Centre for Digital Innovation
Barclays Eagle Labs
Ingenico
The Card & Payments Awards
FAQ

Zeal vs Neal Street Rewards

Frequently asked questions

What happened to Yoyo?

Companies House records show Yoyo Wallet was renamed Teya Rewards in 2023 and Neal Street Technologies in 2024, and yoyowallet.com now redirects to nealstreet.tech. Its multi-merchant app is called Neal Street Rewards, and it also runs branded apps for retailers such as Caffè Nero.

How do customers earn with Neal Street Rewards?

The customer installs the app, registers and links a payment card or Apple or Google Pay once. At the till they show a QR code from the app, which refreshes regularly, and one scan pays and earns points.

Does Neal Street Rewards need an app?

Yes. Paying and earning happen through the app. Zeal does not use an app: customers are recognised from the card they pay with and join on the card machine screen.

How is Zeal different from Neal Street Rewards?

Neal Street Rewards puts payment and loyalty inside a consumer app. Zeal puts loyalty inside the card payment the customer already makes, on supported card machines from payment providers such as Adyen, DNA Payments, Elavon, Lloyds Cardnet, NMI, Viva Wallet and Worldpay.

When was this comparison checked?

The Neal Street Rewards details on this page come from its app listings, help centre and Companies House records, checked in October 2026. Products change, so check with Neal Street Rewards for the latest. The Zeal details come from Zeal's own product information.