Nuqta Merchant Engines
Three commission models optimized for different merchant margin profiles. Choose the engine that fits your business.
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Engine A: High-Margin Model
For merchants with 40-70% gross margins
The standard Nuqta model for businesses with healthy margins. Offers flexible cashback rates and generates the highest revenue per transaction. Perfect for daily habit-forming purchases.
Target Categories
F&B
60-70%- • Cafes & Coffee Shops
- • Restaurants
- • QSR & Fast Food
- • Desserts & Bakeries
Beauty & Wellness
50-65%- • Salons (Men & Women)
- • Spas
- • Gyms & Fitness
- • Yoga Studios
Entertainment
50-70%- • Gaming Zones
- • Activity Centers
- • Movies
- • Experiences
Fashion & Retail
40-60%- • Boutiques
- • Streetwear
- • Accessories
- • D2C Brands
Commission Structure
15-20%
Total Commission
From merchant on each transaction
5-10%
User Cashback
Nuqta Coins (flexible by merchant)
10-15%
Nuqta Revenue
Our take rate
Optional Add-ons
Brand Coins (0-10%)
Merchant-specific coins, drives repeat visits
Private Coins (5-100%)
Promotional campaigns, VIP customers
Example Transaction
Customer spends AED 100 at a cafe:
Total Commission (15%)AED 15
→ User Cashback (7%)AED 7 (Nuqta Coins)
→ Nuqta Revenue (8%)AED 8
Merchant ReceivesAED 85
Engine Comparison
| Feature | Engine A | Engine B | Engine C |
|---|---|---|---|
| Target Merchants | Cafes, Salons, Boutiques | Supermarkets, Electronics | Events, Exhibitions |
| Merchant Margin | 40-70% | 8-20% | Variable |
| Total Commission | 15-20% | 5-8% | Partnership Deal |
| User Cashback | 5-10% (flexible) | 5% (fixed) | Event Coins |
| Nuqta Revenue | 10-15% | 2.5-3% | Sponsorship + % |
| Brand Coins | Optional (0-10%) | Required (5%) | Event-specific |
| Coin Unlock | Immediate | Immediate | Event attendance |
| Min Spend | None | None | AED 300-500 |
| Use Case | Daily purchases | Weekly shopping | User acquisition |