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Member benefits · · 7 min read

Affinity program, discount platform or build your own?

By Preet Joshi

When an association decides to offer member benefits, it usually ends up choosing between four approaches. Each can work. They differ in what they cost, where members go, who holds member data, and how much staff time they take for the life of the program.

Here is an even-handed look at each, including the one MemberLoop offers, so you can choose with your eyes open.

1. Direct affinity agreements

You negotiate an agreement with one partner at a time: an insurer, a bank, a car rental company. The partner offers members a rate, and the association often earns a royalty or fee.

Where it works: one or two high-value categories, especially group insurance and financial products, where a tailored agreement is worth the negotiation.

What to weigh: every agreement takes staff time to negotiate, renew and report on. Members usually find them through a page or a PDF on your website, so use depends on how well you keep promoting them. Reporting is whatever each partner chooses to send.

2. A third-party discount marketplace

A company gives your members access to its catalogue of discounts, often thousands of retail and entertainment offers, on its own website.

Where it works: you want a large catalogue quickly and are comfortable with members using another company's site.

What to weigh: members leave your brand for another company's site and login, which makes the benefit feel less like yours. Large catalogues lean toward general retail rather than members' working lives. Some providers charge the association a fee per member, so the program is a cost rather than a source of revenue. Ask who holds member data and what the provider may do with it.

3. Build your own portal

You build a benefits section on your own website and recruit vendors yourself.

Where it works: you have development and partnership staff, and a strong reason to control every detail.

What to weigh: you carry the build and hosting, plus the ongoing work most associations underestimate: recruiting and vetting vendors, setting up tracking with each one, collecting commissions, handling returns, keeping offers current and answering member questions.

4. An integrated, commission-based platform

The approach MemberLoop takes. The benefits portal runs inside your association's own brand and member login. Vendors pay a commission when members buy, and a share comes back to the association as non-dues revenue.

Where it works: you want members to stay in your brand, you want the program to earn rather than cost, and you don't want to run vendor relationships yourself.

What to weigh: revenue depends on members using it, so you still need to tell members and keep the program visible. The offers come from the platform's vendor network, which won't include every company you might want, although with MemberLoop you can add agreements you already have with your own sponsors.

Side by side

Direct agreementsDiscount marketplaceBuild your ownIntegrated platform
Cost to the associationStaff time per agreementSometimes a fee per memberBuild, hosting and staffFree with MemberLoop; vendors pay commission
Where members goEach partner's siteThe provider's site and loginYour siteYour brand and member login
OffersA few, negotiatedMany, mostly retailWhatever you recruitCurated for working life, plus your own sponsors
Who holds member dataDepends on each agreementCheck the provider's termsYouYour association
RevenueRoyalties, where negotiatedUsually noneCommissions, if you collect themA share of every commission, paid monthly
Ongoing staff workHighLowHighLow: telling members

You don't have to pick only one

Many associations combine approaches. A common pattern is to keep a valued group insurance agreement and put everything else in one place members can find. With MemberLoop, existing sponsor agreements can sit in the same portal as the rest of the offers, seen only by your members.

Questions that settle it

  • Where will members go to use a benefit, and will it feel like ours?
  • Does the program cost us money, or earn it?
  • Who holds member data, and does any vendor ever receive our member list?
  • What will the board see each year, and who on staff owns it?
  • How much staff time will it take in year two, not just at launch?

Our non-dues revenue guide goes deeper on the business case and the questions to ask any partner. If an integrated platform sounds right, book a call: MemberLoop is free for your association, vendors pay the commission, a share comes back to you as non-dues revenue, and member data stays with your association.