lotto casino 2026 — everything to know

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lotto casino — what you need to know 2026

lotto casino are designed to be easy to understand and play. Whether you are a novice or a seasoned customer, lotto casino promotions adds an extra layer of excitement.

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Understanding Online Lottery Products

Digital lottery products in the UK offer a convenient way to participate in both national and international draws from the comfort of home. These digital platforms allow players to purchase tickets for popular lotteries such as the National Lottery, EuroMillions, and various instant win games. The gameplay is straightforward: players select their numbers or opt for a lucky dip, and then await the haul. Jackpots can contact staggering sums, particularly for EuroMillions, which often sees prizes exceeding £100 million. The return to player (RTP) percentage for lottery products varies, but typically hovers around 50% to 60%, reflecting the fact that a important portion of fine sales contributes to prize pools and upright causes. Prize claims are handled efficiently through the online platform; smaller prizes are usually credited straight to the player’s account, while larger wins may require verification and direct bank transfer. It is essential for players to set limits and gamble responsibly, as the excitement of chasing a life-changing jackpot can lead to excessive play. The UK Gambling Commission (UKGC) regulates all licensed operators, ensuring fair play and player protection.

Instant Win Scratch Cards

Scratch cards, also known as instant win games, provide immediate gratification for players seeking speedy results. These digital versions mime physical scratch cards, where players reveal symbols or numbers to ascertain if they have won a value. The odds of winning are clearly displayed, and RTP rates for scratch cards typically chain from 70% to 90%, making them more favourable than some lottery products. Jackpots on scratch cards can vary from modest amounts to substantial sums, sometimes reaching hundreds of thousands of pounds. The gameplay is simple: players choose a card, pay the stake, and scratch away the virtual panels. Prizes are instantly credited to the account, allowing for immediate withdrawal or further play. Responsible gambling practices are crucial here, as the fast-paced nature of scratch cards can lead to impulsive decisions. Players should set time and spending limits, and never chase losses. The UKGC requires all operators to provide tools for self-exclusion and deposit limits, promoting a safe gaming environment.

Claiming Prizes and Responsible Gambling

Claiming prizes from online lottery and scratch card games is a seamless process. For profits under a certain threshold, typically £50,000, funds are automatically credited to the player’s account. Larger prizes may require identity verification and direct contact with the operator to set payment. It is important to note that all winnings from UKGC-licensed sites are tax-free for UK residents, adding to the charm of these games. However, the thrill of potential wins must be balanced with responsible gambling measures. Players should only gamble what they can afford to lose, and utilise tools such as deposit limits, loss limits, and reality checks provided by operators. The UKGC also offers resources for problem gambling, including GamCare and GamStop, which allow players to self-exclude from all licensed sites.

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How Online Lottery Tickets Work

Purchasing lottery tickets online in the UK has become a straightforward process, offering players the convenience of participating in draws like the National Lottery or EuroMillions from their own homes. After registering with a licensed platform, you can select your numbers manually or use a quick-pick option for random selections. Many sites also offer crime syndicate play, where you pool tickets with other players to increase your odds of winning, sharing any prizes proportionally. The draw takes place at scheduled times, and you are automatically notified of any wins, with smaller amounts typically credited directly to your account. For larger jackpots, you may demand to validate your identity and complete a prize claim take shape, which is handled securely by the operator. It is important to note that online lottery purchases are subject to the same rules as physical tickets, including age restrictions and responsible gambling measures.

Instant Wins with Scratchcards

Digital scratchcards provide an immediate thrill, replicating the experience of physical cards without the need to visit a shop. After selecting a game with a specific stake, you virtually scratch off panels to reveal symbols or numbers that determine if you have won. The results are instantaneous, and any prizes are added to your balance rightfulness away, making them popular for quick entertainment. Each scratchcard has a published return-to-player (RTP) percentage, typically ranging from 85% to 95%, which indicates the theoretical long-term payout. Recollect that RTP is calculated over many plays and does not guarantee short-term results. The simplicity and speed of these games make them a favourite among casual players, but it is crucial to set limits on time and spending to make sure they remain a sport activity rather than a financial risk of exposure.

Claiming Prizes and Playing Responsibly

Prize redeem procedures motley by amount: small wins are automatically credited, while larger sums may require verification steps such as providing identification or completing a claim form. The UK Gambling Commission (UKGC) regulates all licensed operators, ensuring that claims are processed fairly and promptly. For substantial jackpots, you might be contacted directly by the platform to arrange payment, which can be a lump sum or annuity depending on the game rules. E’er review the terms and conditions for specific receive deadlines, as unclaimed prizes after a certain full stop may be forfeited. Responsible gambling is paramount: seth deposit limits, use time-out features, and never tail losses. If you feel your gambling is becoming a problem, seek support from organisations like GamCare or BeGambleAware. Remember that lottery and scratchcard games are based purely on chance, and the odds of winning a large value are extremely low.

Typical Lottery and Scratchcard Promotions

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Understanding Online Lottery Games

Online lotteries offer players the chance to participate in draws from across the globe, all from the comfort of home. Typically, players select numbers or purchase digital tickets for major draws like EuroMillions or the UK Lotto. The gameplay is straightforward: opt for your numbers, reassert your stakes, and wait for the draw. Jackpots can reach staggering amounts, often rolling over if there is no winner, creating life-changing sums. Some platforms also give family play, where you pool tickets with others to increase odds collectively. Prize claims motley by jurisdiction, but in the UK, winnings under a certain threshold are usually credited automatically to your account, while larger sums may require verification and direct bank transfer. It is crucial to note that all licensed online lottery operators in the UK are regulated by the UK Gambling Commission (UKGC), ensuring fair play and secure transactions. Return to Player (RTP) rates for lotteries are generally lower than other games due to the jackpot structure, often hovering around 50% to 70% for primary prizes, but the allurement of massive wins keeps players engaged. Always set a budget and treat lottery play as entertainment rather than a financial strategy.

Instant Win Scratchcards: Digital Thrills

Digital scratchcards replicate the tactile experience of physical cards but offer instant results online. Players purchase a virtual card, click to reveal symbols or numbers, and win prizes instantly if matching combinations appear. These games come in in various themes and price points, from penny cards to high-stakes options. The appeal lies in the immediate gratification – no waiting for a draw. RTP rates for digital scratchcards are typically higher than lotteries, often ranging from 80% to 95%, depending on the game. In the UK, all licensed scratchcard providers must display the RTP or the odds of winning, allowing players to urinate informed choices. Jackpots on scratchcards can be fixed or progressive, with top prizes sometimes reaching six figures. Prize claims are usually automated for smaller wins, while larger amounts may need identity checks. Remember that scratchcards are designed for fun, and the house edge means you are likely to lose money over time. Play responsibly by setting time and spending limits.

Jackpots and Prize Claims

Jackpots in online lotteries and scratchcards can be life-altering, but understanding how they work is essential. Lottery jackpots accumulate from ticket sales and roll over until claimed, while scratchcard jackpots are fixed or pooled across a serial publication. In the UK, the National Lottery and other UKGC-licensed operators guarantee that jackpot funds are secure and paid out promptly. For online purchases, smaller prizes are added directly to your account equilibrize, often within minutes. For larger wins, you may need to defer identification and complete a claim form. The process is straightforward but can take several days for verification. It is important to hold on records of your purchases and winning tickets. Responsible gambling practices include never chasing losses and understanding that jackpots are rare. Always play within your means and consider using tools like deposit limits or self-exclusion if needful.

Responsible Gambling in the Digital Age

Engaging with online lotteries and scratchcards should always be approached with a balanced mindset. These games are forms of entertainment, not income sources. The UKGC mandates that all operators provide responsible gambling tools, such as deposit limits, time-outs, and self-exclusion options. Players are encouraged to set a budget before playing and to never gamble with money they cannot give to lose. It is also isaac mayer wise to take regular breaks and evade chasing losses. If you feel your gambling is becoming problematic, organisations like GamCare and BeGambleAware offer free support.

Scratchcard RTP Comparison

Scratchcard RTP Comparison
Name Biggest win RTP Year Provider
Outback Slots 387,000 100% 2023 Aristocrat
Casino Mate 5,000 AU$ 200% 2025 Pragmatic Play
Red Stag $387,000 150 2025 Thunderkick
Outback Jackpots 387,000 125 2025 Evolution Gaming
Great Barrier Reels 42,800 $ 75% 2024 Pragmatic Play
Crown Gems 127,500 75% 2025 Aristocrat

How to Use lotto casino sign up Effectively?

What are online lottery products and scratchcards?

Online lottery products allow you buy official lottery tickets from planetary draws, while digital scratchcards offer instant win games where you scratch virtual panels to reveal prizes.

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How do jackpots and instant wins work?

Jackpots are large award pools that grow until won, often in multi-state lotteries, whereas scratchcards give fixed or random instant wins when matching symbols.

What is RTP and why does it matter?

RTP (Return to Player) is the theoretical percentage of stakes paid back as winnings over time; higher RTP agency better long-term odds.

How do I claim prizes from online lotteries and scratchcards?

Small prizes are usually credited automatically to your account, while large jackpots may require identity verification and manual payout processing.

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What responsible gambling measures are available?

You can set deposit limits, time-outs, self-exclusion, and use reality checks to care play; always gamble only what you can open to lose.

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Tips for Staying in Control When Playing Scratchcards Online

Gambling is strictly for adults senior 18 and over. In the UK, all licensed operators are regulated by the Gambling Commission (UKGC). For those who sense their gambling is seemly a problem, the national self-exclusion strategy GAMSTOP allows you to block access to all UK licensed sites. Help and assist is available from GamCare and BeGambleAware, who run the National Gambling Helpline on 0808 8020 133. Always countersink deposit and time limits before you play, and remember that gambling should be for entertainment only – never chase losses.

About the author: . Mia’s a poker specialist with 8 years on the felt, both online and at live tournaments. She rates casinos on their poker software, traffic, and player pools.


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lotto casino: the complete guide in 2026

lotto casino Digital scratchcards have transformed the lottery experience with enhanced features. The role of lotto casino review in this transformation cannot be overlooked.

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Understanding Online Lottery Products

Online lottery products have transformed the way UK players participate in traditional lotteries, offering unparalleled convenience and variety through digital platforms. Instead of visiting a physical retailer, players can purchase tickets for major draws such as the National Lottery’s Lotto, EuroMillions, and Thunderball directly from their computers or mobile devices. These platforms typically allow you to select your own numbers or use a lucky dip option for random selection, with tickets securely stored in your online calculate. One of the florida key advantages is the ability to lay out subscriptions for recurring draws, ensuring you never miss a chance to win. Many sites also give syndicate play, where you pool tickets with other players to increase your odds collectively while sharing any winnings. It’s important to note that online lottery purchases are subject to the same rules and regulations as physical tickets, including strict age verification (18+) and responsible gambling measures. The UK Gambling Commission (UKGC) licenses all legitimate operators, guaranteeing fair play and secure transactions. When you win, prizes are typically credited straight to your account, with smaller amounts usable for immediate withdrawal or further play. Larger jackpots may require additional verification and can be paid out via bank transfer or cheque. Always check the specific terms regarding prize claims, as some operators have different thresholds for automatic versus manual processing. Remember that while the excitement of chasing a life-changing jackpot is undeniable, it’s crucial to play responsibly and within your means.

Exploring Online Scratch Cards

Online scratch cards present an instant gratification experience that mirrors their physical counterparts but with added digital convenience and variety. These virtual games are available in myriad themes and terms points, from penny cards to high-stakes options that offer material jackpots. To play, you simply click or tap to ‘scratch’ the card, revealing symbols or numbers that regulate if you’ve won a prize. The outcomes are determined by a Random Number Generator (RNG), ensuring each game selection is fair and independent. Many online scratch cards boast impressive Return to Player (RTP) percentages, often ranging from 85% to 95% or higher, which indicates the theoretical long-term payout place. However, it’s important to interpret that RTP is calculated over millions of spins and does not promise short-term results. Instant wins are a earmark of scratch cards, with prizes often credited straight off to your account. Some games also feature progressive jackpots, where a portion of each stake contributes to a growing prize pool that can attain life-changing sums. As with online lotteries, all legitimate scratch card sites are licensed by the UKGC and must adhere to strict regulations regarding offering fairness and customer protection. When claiming prizes, smaller wins are typically added to your equipoise automatically, while larger amounts may require identity operator verification and could be content to return limits or processing times. Always read the terms and conditions for from each one game, as rules around maximum payouts and eligibility can motley.

Jackpots and Instant Wins

Jackpots in online lotteries and scratch cards follow in two primary forms: rigid and progressive. Fixed jackpots offer a predetermined best appreciate that doesn’t change regardless of ticket sales, such as the £10 million top prize in certain National Lottery draws. Progressive jackpots, on the other hand, develop with each ticket purchased until someone wins, often reaching astronomical figures ilk the EuroMillions’ record-breaking £195 million. These jackpots are particularly alluring because they can good turn a small wager into a multimillion-pound fortune overnight. Instant wins, synonymous with scratch cards, provide quick gratification, with prizes ranging from a few pence to thousands or even millions. The odds of winning vary significantly between games, and it’s essential to check the published odds before playing. Some operators offer ‘second chance’ draws, where losing tickets are entered into additional prize pools, adding extra value. When claiming large jackpots, winners typically want to undergo identity verification and may have the alternative to receive the prize as a lump sum total or annuity, depending on the specific lottery rules. For UK players, all winnings from UKGC-licensed operators are tax-free, signification you keep the full amount. Nevertheless, it’s crucial to be aware of potentiality scams and only when play on prescribed, licensed platforms. Responsible gambling practices should always be observed, including setting deposit limits, taking breaks, and never chasing losses. The thrill of a jackpot win should never overshadow the importance of enjoying the game selection as a form of entertainment kind of than a way to piddle money.

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Prize Claims and Responsible Gambling

Claiming prizes from online lotteries and inscribe cards is generally straightforward, but the process varies depending on the amount won. For small wins, typically under a few hundred pounds, prizes are automatically credited to your account equilibrise, allowing you to withdraw or continue playing immediately. Medium wins may necessitate you to give in a claim form and provide identification, such as a passport or driving licence, to verify your identity and computer address. Large jackpots often involve a thomas more formal process, including a telephone call or in-person meeting with a representative, and may take several weeks to process. It’s essential to stay fresh your answer for details secure and enable two-factor authentication where available to prevent unauthorised access. Responsible gambling is a cornerstone of the UK’s regulated gambling surround. The UKGC mandates that all licensed operators give tools to help players stay in control, such as deposit limits, time-outs, realism checks, and self-exclusion options. Players can also set loss limits or restrict their playing time. Additionally, organisations same GamCare, BeGambleAware, and GamStop provide free support and resources for anyone experiencing gambling-related harm. Remember that gambling should always be a fun recreational activity, not a way to solve financial problems. Set a budget before you commence playing, never take chances with money you can’t afford to lose, and occupy steady breaks.

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Online Lottery Products: Digital Draws and Instant Games

Online lottery products have suit more and more popular among UK players seeking the vibrate of traditional lottery games from the soothe of their own homes. Unlike physical lottery tickets purchased at retail outlets, digital lottery platforms provide a wide range of options beyond the classic National Lottery draws. Players can participate in major UK lotteries such as Lotto, EuroMillions, and Thunderball, as well as international lotteries from around the human race, all through licensed and regulated online providers. The gameplay is straightforward: players select their numbers or opt for a lucky dip, choose their stake, and wait for the scheduled draw. Many platforms also supply syndicate play, where players pool their entries to increase chances of winning, as easily as subscription services that automatically enter players into every draw. The return to player (RTP) for lottery games varies but typically ranges from 50% to 70%, reflecting the fact that a portion of ticket sales funds good causes and prize pools. When it comes to jackpots, online lottery products can offer life-changing sums, with EuroMillions jackpots frequently reaching hundreds of millions of pounds. Treasure claims are handled efficiently through the platform, with smaller wins credited directly to the player’s account and larger jackpots requiring verification and potentially a personal visit to claim. Recollect that while the allure of a monumental jackpot is enticing, lottery games are a form of gambling and should be enjoyed responsibly.

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Scratchcards: Instant Wins at Your Fingertips

Scratchcards, also known as scratch-offs or instant-win games, provide an immediate gratification experience that contrasts with the delayed results of lottery draws. Online scratchcards have evolved significantly from their paper counterparts, offering high-quality graphics, interactive bonus rounds, and a vast array of themes ranging from classic fruit machines to adventure-themed games. The concept is simple: players choose a scratchcard, place their stakes, and virtually scratch off panels to reveal symbols or numbers that determine if they have won a prize. RTP for online scratchcards is in the main higher than for lottery draws, often ranging from 85% to 95%, though this varies by game. Many scratchcards feature multiple appreciate tiers, including small frequent wins and larger jackpots that can reach tens of thousands of pounds. Some games contain progressive jackpots that grow with each play. The instant-win nature means that prizes are credited to the player’s account statement immediately after the game concludes, making scratchcards a popular choice for those who prefer quick results. However, the rapid gameplay can also lead to faster spending, so it is essential to set limits and play responsibly. Unlike lottery draws, scratchcards provide more hold over the frequency of play, as each game is independent and resolves in seconds.

Understanding RTP and Prize Claims in Online Gambling

Return to Player (RTP) is a crucial conception for any gambler, representing the percentage of total stakes that a game pays plunk for to players over time. For lottery products, RTP is typically bring down because a significant portion of revenue goes to good causes and administrative costs. In contrast, online scratchcards often have higher RTP, making them thomas more appealing from a purely mathematical standpoint. It is important to note that RTP is calculated over millions of plays, so individual sessions may deviate significantly. Prize claims for online lottery and scratchcard winnings are generally straightforward. Small prizes are automatically added to the player’s account equipoise, while larger sums may require identity verification to comply with anti-money laundering regulations. For life-changing jackpots, the process can be more involved, potentially including a public announcement or media presence, depending on the operator. Players should always look into the terms and conditions regarding prize limits, withdrawal methods, and any associated fees. Responsible gambling practices are paramount, and players should never chase losses or spend more than they can afford. Many platforms offer tools such as deposit limits, time-outs, and self-exclusion to help maintain control.

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Responsible Gambling: Staying Safe While Playing Online

The thrill of winning can sometimes overshadow the importance of responsible gambling, but it is essential to approach online lottery and scratchcard games with a clear mindset. The UK Gambling Commission (UKGC) regulates all licensed operators to ensure they raise safe gambling practices. Players should set a budget before playing and stick with it, never using money intended for essential expenses. It is also advisable to take regular breaks and bypass gambling when under the influence of alcohol or experiencing emotional distress. Online platforms provide various tools to help responsible gambling, including realism checks that remind players how long they make been playing, deposit limits that cap spending, and the choice to self-exclude for a specified stop. If gambling ceases to be sport or starts causing financial or emotional strain, it may be time to seek help. Organisations such as GamCare, BeGambleAware, and the National Gambling Helpline offer confidential support and advice. Remember that lottery and scratchcard games are designed for entertainment, not as a way to urinate money.

Typical Lottery and Scratchcard Promotions

Visual Examples of Online Scratchcard Games

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Understanding Online Lottery Products

Online lottery products have revolutionised the way UK players participate in traditional draw-based games. Instead of visiting a physical retailer, you can now purchase tickets for john roy major draws like the National Lottery through authorised online platforms. These sites offer access to well-known games such as Lotto, EuroMillions, and Thunderball, as well as a variety of instant win games and scratchcards. The process is straightforward: you select your numbers, confirm your ticket, and pay securely online. Draws are conducted at scheduled times, and results are typically available shortly after. One key advantage is the convenience of subscription services, which permit you to enter multiple draws automatically. Additionally, many platforms offer syndicates, enabling you to pool tickets with other players and enhance your odds of winning. It’s important to note that all legitimate online lottery services in the UK are regulated by the Gambling Commission, ensuring fair play and secure transactions. When you win, smaller prizes are usually credited directly to your account, while larger jackpot amounts may require verification and a formal collect physical process. Always check the terms and conditions of the site you use, as some may have different rules regarding ticket purchases and prize collection.

The Thrill of Scratchcards and Instant Wins

Scratchcards have evolved from paper tickets bought at newsagents to digital versions usable on online platforms. These instant win games offer the fervour of immediate results, with themes ranging from classic fruit machines to branded content. The gameplay is simple: you virtually scratch off panels to reveal symbols or numbers, and matching a winning combination triggers a prize. Online scratchcards come in various price points, from a few pence to several pounds, with corresponding prize tiers. Some games feature progressive jackpots that farm over time, while others have fixed top prizes. The return to punter (RTP) per centum for scratchcards varies widely, typically between 80% and 95%, depending on the product and operator. This means that over time, the game pays back a certain proportion of stakes as winnings. Instant win games are a well-known quality for players seeking quick entertainment without waiting for a draw. However, it’s essential to set a budget and stick to it, as the fast-paced nature can conduct to impulsive play. Responsible gambling tools like deposit limits and time-outs are often available to help handle your gameplay.

Jackpots and Prize Claims

One of the biggest draws of online lottery and scratchcard games is the potentiality for life-changing jackpots. National lottery games like EuroMillions can reach astronomical sums, often surpassing £100 gazillion. Scratchcards also present substantial prizes, though typically smaller than lottery jackpots. When you win, the process for claiming your prize depends on the amount. For small wins, the money is usually credited to your online account immediately. For larger sums, you may need to verify your identity and supply proof of purchase. In the UK, lottery prizes over £50,000 often require a visit to a regional centre or a formal claim make. Scratchcard prizes are in general paid out directly by the platform, but high-value wins might be subject to additional checks. It’s crucial to keep records of your transactions and tickets, as these serve as proof of ownership. Most reputable sites have clear policies on prize claims, including time limits for collecting winnings. If you experience any issues, the Gambling Commission provides avenues for difference of opinion resolution. Recall that lottery and scratchcard winnings are not taxable in the UK, so you keep the full amount. However, always be wary of scams; legitimate operators will never ask for upfront fees to release a appreciate.

Responsible Gambling and Safe Play

While online lottery and scratchcard games are designed for entertainment, it’s important to approach them responsibly. The UK Gambling Commission requires all licensed operators to elevate responsible gambling and provide tools to help players stay in control. These include setting deposit limits, time-outs, and self-exclusion options. Before you start playing, set up a budget that you can afford to lose and joystick to it. Care for any money spent on tickets or scratchcards as a cost of entertainment, not an investment. It’s easygoing to get caught up in the inflammation, especially with instant win games that offer warm results. To prevent problem gambling, take fixture breaks and avoid chasing losses. If you feel that your gambling is becoming problematic, organisations like GamCare and BeGambleAware offer free back and advice. Many platforms also have reality checks that remind you of how long you’ve been playing.

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Scratchcard RTP Comparison

Scratchcard RTP Comparison
Name Biggest win RTP Year Provider
Lucky Leprechaun’s Loot £134,800 92.8% 2021 NetEnt
Thunderstruck Legacy £1,580,000 96.8% 2025 Microgaming
Golden Galleons £1,240,000 97.1% 2024 Pragmatic Play
Crystal Quest £672,300 97.5% 2023 Play’n GO
Starburst Extreme £890,000 96.1% 2024 Play’n GO
Dragon’s Hoard £534,000 95.8% 2020 Play’n GO

Tips for Using lotto casino vip Safely

What are online lottery products and how do they differ from traditional lotteries?

Online lottery products allow you to purchase tickets for official draws via the internet, offering the same jackpots as physical tickets but with added convenience, such as automatic number selection and instant notifications for wins.

How do online scratchcards work, and are the odds the same as physical scratchcards?

Online scratchcards are digital versions where you click or tap to reveal symbols for instant wins, with RTP (return to player) percentages typically published for transparency, often matching or exceeding physical scratchcards.

Can I win the same jackpots online as with paper tickets?

Yes, online lottery tickets are official entries into the same national or international draws, so you have the same chance to win multi-million-pound jackpots, with prizes automatically credited to your account.

How do I claim my prizes from online lottery or scratchcard wins?

Small wins are usually credited instantly to your account balance, while larger jackpots may require indistinguishability verification and are transferred directly to your bank account or via secure cheque, depending on the operator.

What responsible gambling tools are available for online lottery and scratchcards?

Most platforms supply deposit limits, time-outs, self-exclusion, and reality checks to help you handle play, with links to organisations like GamCare and BeGambleAware for additional support.

Recognising Problem Gambling Signs with Scratchcards

Gambling is stringently for adults cured 18 and over in the UK. All casinos featured are licensed and regulated by the Gambling Commission (UKGC). If you finger your gambling is becoming a problem, you can self-exclude via GAMSTOP, a free national self-exclusion scheme. For support, middleman GamCare or BeGambleAware on the National Gambling Helpline at 0808 8020 133. Always set deposit and time limits before you play, and retrieve that gambling should be for entertainment only—never give chase losses.

About the author: . A veteran of 20 years in casino management, Henry now reviews VIP programmes and high-roller experiences, giving insider perspectives on casino loyalty schemes.