TOTL.ai: Pay and Save with Smart Cashback & Discounts

TOTL.ai is a dynamic digital payment system designed to maximize savings for users across 600+ partnered brands in the UAE, offering instant cashback, discounts, eVouchers, eGifts, and referral bonuses—all through a seamless, secure, and user-friendly platform. With its innovative approach to rewarding spending, TOTL.ai enhances customer loyalty and engagement while empowering businesses to grow through increased billing, repeat visits, and higher average transaction values. The app supports card payments and Apple Pay, ensures data security with PCI DSS compliance, and provides real-time rewards that can be used within 90 days (StoreCash) or up to 12 months (eVouchers/eGifts). Its daily-changing offers and off-peak hour incentives make it ideal for savvy shoppers and flexible adventurers alike.

Key Features:

• Instant cashback on payments (up to 50%) at 600+ partnered stores
• Discounts on bills (up to 40%) with time-based rate variations
• StoreCash rewards (1 StoreCash = 1 AED) valid for 90 days at the same partner
• eVouchers and eGifts with 12-month validity and single or multiple redemption options
• Referral program with bonuses up to AED 50 per successful referral
• Scratch card bonuses with potential for up to 100% rewards
• Daily rotating offers to optimize user savings
• Support for Visa/MasterCard and Apple Pay (where available)
• Secure payment processing with no card data storage
• User-friendly interface with fast, timely refunds
• Business growth tools for merchants: 30% higher billing, 3x more customer visits, 78% retention rate
• TOTL Dashboard for merchants to manage rewards and promotions
• Transparent and compliant merchant onboarding with required documentation
• Weekly payment settlements with minimum balance thresholds
• Annual settlement of expired StoreCash with service charges based on frequency

Pricing: TOTL.ai is completely free to use for consumers, with no fees for signing up or earning rewards. Merchants pay transaction-based fees and license fees, which are subject to change. The platform operates on a freemium model for users, offering full access to savings features at no cost.

Conclusion: TOTL.ai is a powerful, free digital payment solution that transforms everyday spending into rewarding savings, making it a standout choice for budget-conscious users and growth-driven businesses across the UAE.