Short answer. PerkClub and Yoyo take different paths. Yoyo is a UK mobile loyalty and payments app — customers pay and earn rewards inside the Yoyo app, which carries points and digital stamps. PerkClub is a white-label subscription platform that books recurring monthly revenue under your own brand, delivered as an Apple or Google Wallet pass with no separate app to download. Pick Yoyo if you want app-based loyalty and payments under a shared, established platform. Pick PerkClub if you want paid recurring memberships under your own brand, a wallet pass instead of a third-party app, and revenue booked up front.

An app-based network vs your own membership

Yoyo is a mobile loyalty and payments app. The customer downloads the Yoyo app, and uses it to pay and to earn rewards — points and digital stamps — across the businesses on the network. For the customer, the experience happens inside the Yoyo app, and for the business it's a way to plug into an established mobile loyalty and payments platform.

Yoyo is well established: it operates across 2,000+ outlets in the UK and Ireland and works with large brands such as Caffè Nero, Paul, Burger King and KFC, as well as campus and workplace caterers. That gives it real scale, but it also tells you who it's built for — its centre of gravity is bigger chains and high-volume campus and workplace sites rather than the single-site independent. (Yoyo has been active for years and joined forces with wiGroup in 2020.)

PerkClub starts from a different place. Rather than joining a shared app, the customer subscribes directly to your club through a branded landing page, pays you monthly via Stripe, and carries the membership as a pass in their phone's wallet. There's no Yoyo-style app in the middle — the relationship, the branding and the payment all run under your name.

Wallet pass vs a third-party app

The biggest day-to-day difference is the app question. Yoyo's model relies on customers having the Yoyo app on their phone, since that's where payment and rewards live. PerkClub members don't download anything new: their pass sits in Apple Wallet or Google Wallet, next to their bank cards. At redemption they show the pass for staff to scan, and the pass updates automatically when billing renews.

For an independent, the difference is who owns the customer's screen. With a wallet pass, your brand is the tile the customer sees; there's no third-party app standing between you and them.

Earning points vs paying up front

Yoyo's loyalty mechanic is app-based points and stamps — the customer earns rewards on spending they make through the app, and redeems them later. It's a retention lever built around frequency.

PerkClub's mechanic is a paid membership. The customer commits to paying you monthly for a defined perk, which books revenue before they walk in rather than rewarding spend after the fact. A membership with 100 members at £40/month books £48,000 a year — a structural cashflow tool, not a frequency nudge.

Brand ownership and where the money lands

With PerkClub, the membership wears your brand end to end: signup page, wallet pass, receipts. Payments run through Stripe and Stripe pays out to your own bank account weekly, with every payment and payout visible in your dashboard. PerkClub charges a flat monthly platform fee plus standard Stripe processing — see the pricing page for the current figure.

When Yoyo is the right pick

Be fair about where Yoyo fits. If you want to tap into an established mobile loyalty and payments network with real scale — and you're comfortable with the customer experience living inside the Yoyo app — it's a capable, well-known platform, particularly for larger brands and campus or workplace sites. Yoyo doesn't publish its pricing; it's quoted on an enterprise/contact basis, so you'd need to speak to their team for a figure. For a business that values app-based payments combined with loyalty under a shared platform, Yoyo is a reasonable choice.

PerkClub isn't trying to be a payments app or a loyalty network. If that's what you want, it's the wrong tool.

Why a UK independent might choose PerkClub

If your goal is recurring revenue under your own brand — booking cash up front, smoothing the quiet months, and keeping the customer relationship yours rather than a network's — PerkClub is built for exactly that. White-label, POS-agnostic, wallet-first, and priced as a flat monthly fee plus standard Stripe processing.

For more on how paid memberships compare to points and stamps, see subscription vs stamp card vs points.

Bottom line

If you want app-based loyalty and payments under a shared platform, Yoyo is a solid option. If you want paid recurring memberships under your own brand, delivered as a wallet pass with no separate app, PerkClub is. If you'd like to talk it through, the PerkClub team is happy to walk through your numbers.

Sources

Competitor details are accurate as of June 2026 and may change — check the provider's own site for current pricing.