Loyalty Partner owns and operates the PAYBACK card, Europe’s largest multi-partner loyalty scheme.  Currently, every second German household is collecting PAYBACK points through blue chip partners with combined sales of over €30 billion in food, general merchandise, health and beauty, do-it-yourself, petrol and financial services.  With more than 500 million customer contacts per year through the programme, Loyalty Partner is uniquely positioned to help its retail partners develop additional marketing services including targeting, research, and communication.  At the same time, the company is able to source and market exclusive offers for its more than 20 million PAYBACK card holders.  The business has experienced extremely high growth since it was launched in 1998 by a skilled entrepreneur who continues to hold a significant stake in the company.