This document describes a proposed loyalty program called Saverest4u. It aims to solve the problems of inefficient self-managed loyalty programs and high costs of purchased systems that small businesses cannot afford. Saverest4u would provide merchants with a single loyalty card that customers can use across participating stores. Customers earn value on their card from each purchase that can be used to receive discounts on products and services on a supporting online platform. This allows merchants to reward customer loyalty while giving customers useful benefits and special offers.