diff --git a/docs/api-enakpoint.md b/docs/api-enakpoint.md
index 0f168b1..6ccf437 100644
--- a/docs/api-enakpoint.md
+++ b/docs/api-enakpoint.md
@@ -323,13 +323,13 @@ Pada kedua `PUT` setting, field yang tidak dikirim tetap memakai nilai sekarang;
 
 ```json
 {
-  "point": { "enabled": true, "earn_per_amount": 100, "earn_value": 1, "min_order_amount": 0, "max_per_order": null },
-  "coin": { "enabled": true, "earn_per_amount": 25000, "earn_value": 1, "min_order_amount": 0, "max_per_order": null },
+  "point": { "enabled": true, "earn_mode": "PER_AMOUNT", "earn_per_amount": 100, "earn_value": 1, "earn_percent": 1, "min_order_amount": 0, "max_per_order": null },
+  "coin": { "enabled": true, "earn_mode": "PER_AMOUNT", "earn_per_amount": 25000, "earn_value": 1, "earn_percent": 1, "min_order_amount": 0, "max_per_order": null },
   "point_payment": { "accept_payment": true, "min_payment_points": 1, "max_payment_percent": 100 }
 }
 ```
 
-Response menambahkan `outlet_id`, `point_value`, `point_cashback_percent` (default di atas = 1%), dan `changes` pada PUT. Validasi: `earn_per_amount > 0`, `earn_value ≥ 0`, `max_payment_percent` 0–100.
+Response menambahkan `outlet_id`, `point_value`, `point_cashback_percent` (default di atas = 1%), dan `changes` pada PUT. `earn_mode` adalah `PER_AMOUNT` (setiap `earn_per_amount` rupiah mendapat `earn_value`) atau `PERCENTAGE` (`earn_percent` persen dari basis). Validasi: `earn_per_amount > 0`, `earn_value ≥ 0`, `earn_percent` 0–100 dengan maks. 2 angka desimal, `max_payment_percent` 0–100.
 
 ### /marketing/loyalty-settings
 
diff --git a/docs/backoffice-enakpoint.md b/docs/backoffice-enakpoint.md
index 599eb34..82a992a 100644
--- a/docs/backoffice-enakpoint.md
+++ b/docs/backoffice-enakpoint.md
@@ -32,8 +32,8 @@ Tiap outlet mengatur sendiri berapa EnakPoint dan EnakCoin yang didapat dari ord
 
 ```json
 {
-  "point": { "enabled": true, "earn_per_amount": 100, "earn_value": 1, "min_order_amount": 0, "max_per_order": null },
-  "coin": { "enabled": true, "earn_per_amount": 25000, "earn_value": 1, "min_order_amount": 0, "max_per_order": null },
+  "point": { "enabled": true, "earn_mode": "PER_AMOUNT", "earn_per_amount": 100, "earn_value": 1, "earn_percent": 1, "min_order_amount": 0, "max_per_order": null },
+  "coin": { "enabled": true, "earn_mode": "PER_AMOUNT", "earn_per_amount": 25000, "earn_value": 1, "earn_percent": 1, "min_order_amount": 0, "max_per_order": null },
   "point_payment": { "accept_payment": true, "min_payment_points": 1, "max_payment_percent": 100 }
 }
 ```
@@ -41,15 +41,19 @@ Tiap outlet mengatur sendiri berapa EnakPoint dan EnakCoin yang didapat dari ord
 | Field | Label usulan | Tipe | Default | Validasi |
 | --- | --- | --- | --- | --- |
 | `point.enabled` / `coin.enabled` | Beri EnakPoint / EnakCoin | toggle | mati | – |
-| `earn_per_amount` | Setiap belanja Rp … | Rp | 100 (point), 25.000 (coin) | > 0 |
-| `earn_value` | … mendapat | angka | 1 | ≥ 0 |
+| `earn_mode` | Cara hitung: per nominal / persentase | pilihan `PER_AMOUNT` / `PERCENTAGE` | `PER_AMOUNT` | salah satu dari keduanya |
+| `earn_per_amount` | Setiap belanja Rp … (mode `PER_AMOUNT`) | Rp | 100 (point), 25.000 (coin) | > 0 |
+| `earn_value` | … mendapat (mode `PER_AMOUNT`) | angka | 1 | ≥ 0 |
+| `earn_percent` | … % dari belanja (mode `PERCENTAGE`) | %, boleh desimal | 1 | 0–100, maks. 2 angka desimal |
 | `min_order_amount` | Minimal belanja | Rp | 0 | ≥ 0 |
 | `max_per_order` | Maksimal per order | angka, boleh kosong | kosong = tanpa batas | ≥ 0 |
 | `point_payment.accept_payment` | Terima pembayaran EnakPoint | toggle | mati | – |
 | `min_payment_points` | Minimal EnakPoint per pembayaran | angka | 1 | ≥ 1 |
 | `max_payment_percent` | Maksimal porsi order dibayar EnakPoint | % | 100 | 0–100 |
 
-**Cashback efektif.** Response membawa `point_cashback_percent` dan `point_value`. Tampilkan persentase di samping field earning EnakPoint, mis. "setara cashback 1%", dan hitung ulang di sisi klien saat owner mengetik: `earn_value × point_value ÷ earn_per_amount × 100`. Tujuannya agar owner tidak salah membaca skala (1 per Rp 100 bukan 1 per Rp 1).
+**Cashback efektif.** Response membawa `point_cashback_percent` dan `point_value`. Tampilkan persentase di samping field earning EnakPoint, mis. "setara cashback 1%", dan hitung ulang di sisi klien saat owner mengetik: `earn_value × point_value ÷ earn_per_amount × 100`, atau pada mode `PERCENTAGE`: `earn_percent × point_value`. Tujuannya agar owner tidak salah membaca skala (1 per Rp 100 bukan 1 per Rp 1).
+
+**Mode earning.** Tampilkan hanya field mode yang dipilih (`earn_per_amount` + `earn_value`, atau `earn_percent`). Field mode lain tetap tersimpan di server, jadi tidak perlu dikosongkan saat owner berpindah mode. Pada mode `PERCENTAGE` jumlah yang didapat adalah `floor(basis × earn_percent ÷ 100)`, mis. 2,5% dari Rp 87.500 = 2.187 EnakPoint.
 
 **Contoh di bawah form.** "Belanja Rp 87.500 mendapat 875 EnakPoint dan 3 EnakCoin." Earning dihitung dari subtotal setelah diskon, sebelum pajak, dan bagian yang dibayar EnakPoint tidak ikut dihitung.
 
diff --git a/docs/integration-enakpoint.md b/docs/integration-enakpoint.md
index 58b459a..f7afdf0 100644
--- a/docs/integration-enakpoint.md
+++ b/docs/integration-enakpoint.md
@@ -516,15 +516,16 @@ Semua endpoint di bagian ini butuh login user dengan role Admin atau Manager.
 
 ```json
 {
-  "point": { "enabled": true, "earn_per_amount": 100, "earn_value": 1, "min_order_amount": 0, "max_per_order": null },
-  "coin": { "enabled": true, "earn_per_amount": 25000, "earn_value": 1, "min_order_amount": 0, "max_per_order": null },
+  "point": { "enabled": true, "earn_mode": "PER_AMOUNT", "earn_per_amount": 100, "earn_value": 1, "earn_percent": 1, "min_order_amount": 0, "max_per_order": null },
+  "coin": { "enabled": true, "earn_mode": "PER_AMOUNT", "earn_per_amount": 25000, "earn_value": 1, "earn_percent": 1, "min_order_amount": 0, "max_per_order": null },
   "point_payment": { "accept_payment": true, "min_payment_points": 1, "max_payment_percent": 100 }
 }
 ```
 
 Field yang tidak dikirim di `PUT` tetap memakai nilai sekarang. Response menambahkan
 `point_value` organisasi dan `point_cashback_percent`
-(`earn_value × point_value / earn_per_amount × 100`). **Tampilkan persentase ini di
+(`earn_value × point_value / earn_per_amount × 100`, atau `earn_percent × point_value`
+pada `earn_mode` `PERCENTAGE`). **Tampilkan persentase ini di
 samping setting** supaya owner tidak salah membaca skala: default di atas setara
 cashback 1%.
 
diff --git a/docs/prd-point-coin.md b/docs/prd-point-coin.md
index 5af5fbd..5e07b65 100644
--- a/docs/prd-point-coin.md
+++ b/docs/prd-point-coin.md
@@ -197,20 +197,28 @@ Disimpan di `outlet_settings` (key–value, sudah ada).
 | Key | Tipe | Default | Arti |
 |---|---|---|---|
 | `loyalty.point.enabled` | bool | `false` | Outlet memberi EnakPoint |
-| `loyalty.point.earn_per_amount` | int (Rp) | `100` | Setiap kelipatan nominal ini… |
+| `loyalty.point.earn_mode` | `PER_AMOUNT` / `PERCENTAGE` | `PER_AMOUNT` | Cara menghitung earning |
+| `loyalty.point.earn_per_amount` | int (Rp) | `100` | `PER_AMOUNT`: setiap kelipatan nominal ini… |
 | `loyalty.point.earn_value` | int | `1` | …mendapat sekian EnakPoint |
+| `loyalty.point.earn_percent` | desimal (0–100, maks. 2 angka desimal) | `1` | `PERCENTAGE`: sekian persen dari basis menjadi EnakPoint |
 | `loyalty.point.min_order_amount` | int (Rp) | `0` | Basis minimal agar dapat EnakPoint |
 | `loyalty.point.max_per_order` | int, nullable | kosong | Batas atas EnakPoint per order |
 | `loyalty.coin.enabled` | bool | `false` | Outlet memberi EnakCoin |
+| `loyalty.coin.earn_mode` | `PER_AMOUNT` / `PERCENTAGE` | `PER_AMOUNT` | |
 | `loyalty.coin.earn_per_amount` | int (Rp) | `25000` | |
 | `loyalty.coin.earn_value` | int | `1` | |
+| `loyalty.coin.earn_percent` | desimal (0–100, maks. 2 angka desimal) | `1` | |
 | `loyalty.coin.min_order_amount` | int (Rp) | `0` | |
 | `loyalty.coin.max_per_order` | int, nullable | kosong | |
 
 Dengan nilai EnakPoint default Rp 1, default earning 1 EnakPoint per Rp 100 setara
 **cashback 1%**. Dashboard selalu menampilkan persentase cashback efektif di samping
-setting ini: `earn_value × nilai EnakPoint / earn_per_amount`. Tujuannya supaya owner
-tidak salah mengira skala.
+setting ini: `earn_value × nilai EnakPoint / earn_per_amount`, atau pada mode
+`PERCENTAGE`: `earn_percent × nilai EnakPoint`. Tujuannya supaya owner tidak salah
+mengira skala.
+
+Setting mode yang sedang tidak dipakai tetap tersimpan, sehingga berpindah mode tidak
+menghapus nilai mode sebelumnya.
 
 **Pembayaran EnakPoint.** Hanya ada untuk EnakPoint, tidak ada padanannya untuk
 EnakCoin.
@@ -226,7 +234,8 @@ EnakCoin.
 ```
 basis  = subtotal − discount_amount − dibayar_dengan_enakpoint
 jumlah = 0                                   jika basis < min_order_amount
-jumlah = floor(basis / earn_per_amount) × earn_value
+jumlah = floor(basis / earn_per_amount) × earn_value    mode PER_AMOUNT
+jumlah = floor(basis × earn_percent / 100)              mode PERCENTAGE
 jumlah = min(jumlah, max_per_order)          jika max_per_order diisi
 ```
 
@@ -240,7 +249,12 @@ jumlah = min(jumlah, max_per_order)          jika max_per_order diisi
 EnakPoint** dan **3 EnakCoin**. Jika Rp 20.000 dari order itu dibayar dengan EnakPoint,
 basisnya menjadi Rp 67.500, sehingga customer mendapat 675 EnakPoint dan 2 EnakCoin.
 
-Validasi: `earn_per_amount > 0`, `earn_value ≥ 0`, `min_order_amount ≥ 0`,
+Pada mode `PERCENTAGE`, `earn_percent` adalah persen dari basis yang menjadi
+**jumlah** EnakPoint/EnakCoin (bukan nilai rupiahnya): 2,5% dari basis Rp 87.500
+menghasilkan 2.187 EnakPoint.
+
+Validasi: `earn_per_amount > 0`, `earn_value ≥ 0`, `0 ≤ earn_percent ≤ 100` dengan
+paling banyak dua angka desimal, `min_order_amount ≥ 0`,
 `max_per_order ≥ 0`, `0 ≤ max_payment_percent ≤ 100`. Hanya role Admin/Manager yang
 bisa mengubah.
 
diff --git a/internal/constants/loyalty.go b/internal/constants/loyalty.go
index 6721edf..3c1283f 100644
--- a/internal/constants/loyalty.go
+++ b/internal/constants/loyalty.go
@@ -7,12 +7,16 @@ package constants
 // Per outlet (F1): what an order earns, and whether EnakPoint can pay.
 const (
 	LoyaltyPointEnabledKey        = "loyalty.point.enabled"
+	LoyaltyPointEarnModeKey       = "loyalty.point.earn_mode"
+	LoyaltyPointEarnPercentKey    = "loyalty.point.earn_percent"
 	LoyaltyPointEarnPerAmountKey  = "loyalty.point.earn_per_amount"
 	LoyaltyPointEarnValueKey      = "loyalty.point.earn_value"
 	LoyaltyPointMinOrderAmountKey = "loyalty.point.min_order_amount"
 	LoyaltyPointMaxPerOrderKey    = "loyalty.point.max_per_order"
 
 	LoyaltyCoinEnabledKey        = "loyalty.coin.enabled"
+	LoyaltyCoinEarnModeKey       = "loyalty.coin.earn_mode"
+	LoyaltyCoinEarnPercentKey    = "loyalty.coin.earn_percent"
 	LoyaltyCoinEarnPerAmountKey  = "loyalty.coin.earn_per_amount"
 	LoyaltyCoinEarnValueKey      = "loyalty.coin.earn_value"
 	LoyaltyCoinMinOrderAmountKey = "loyalty.coin.min_order_amount"
@@ -47,6 +51,14 @@ const (
 	LoyaltyExpiryGraceMonthsSuffix  = "expiry_grace_months"
 )
 
+// Modes of loyalty.{point,coin}.earn_mode.
+const (
+	// earn_value for every earn_per_amount rupiah of the basis.
+	LoyaltyEarnModePerAmount = "PER_AMOUNT"
+	// earn_percent percent of the basis.
+	LoyaltyEarnModePercentage = "PERCENTAGE"
+)
+
 // Units of loyalty.{point,coin}.expiry_unit.
 const (
 	LoyaltyExpiryUnitDay   = "DAY"
@@ -66,6 +78,8 @@ const (
 	LoyaltyPointEarnPerAmountDefault = int64(100)
 	LoyaltyCoinEarnPerAmountDefault  = int64(25000)
 	LoyaltyEarnValueDefault          = int64(1)
+	LoyaltyEarnModeDefault           = LoyaltyEarnModePerAmount
+	LoyaltyEarnPercentDefault        = float64(1)
 
 	LoyaltyMinPaymentPointsDefault  = int64(1)
 	LoyaltyMaxPaymentPercentDefault = int64(100)
diff --git a/internal/handler/loyalty_settings_db_test.go b/internal/handler/loyalty_settings_db_test.go
index c427002..57d6804 100644
--- a/internal/handler/loyalty_settings_db_test.go
+++ b/internal/handler/loyalty_settings_db_test.go
@@ -91,8 +91,8 @@ func TestOutletLoyaltySettingsEndpoints_AgainstPostgres(t *testing.T) {
 	status, body := call(http.MethodGet, "/manager"+path, "")
 	require.Equal(t, http.StatusOK, status, body)
 	got := data(body)
-	assert.Equal(t, map[string]any{"enabled": false, "earn_per_amount": float64(100), "earn_value": float64(1), "min_order_amount": float64(0), "max_per_order": nil}, got["point"])
-	assert.Equal(t, map[string]any{"enabled": false, "earn_per_amount": float64(25000), "earn_value": float64(1), "min_order_amount": float64(0), "max_per_order": nil}, got["coin"])
+	assert.Equal(t, map[string]any{"enabled": false, "earn_mode": "PER_AMOUNT", "earn_per_amount": float64(100), "earn_value": float64(1), "earn_percent": float64(1), "min_order_amount": float64(0), "max_per_order": nil}, got["point"])
+	assert.Equal(t, map[string]any{"enabled": false, "earn_mode": "PER_AMOUNT", "earn_per_amount": float64(25000), "earn_value": float64(1), "earn_percent": float64(1), "min_order_amount": float64(0), "max_per_order": nil}, got["coin"])
 	assert.Equal(t, map[string]any{"accept_payment": false, "min_payment_points": float64(1), "max_payment_percent": float64(100)}, got["point_payment"])
 	assert.EqualValues(t, 1, got["point_value"])
 	assert.EqualValues(t, 1, got["point_cashback_percent"])
@@ -135,6 +135,8 @@ func TestOutletLoyaltySettingsEndpoints_AgainstPostgres(t *testing.T) {
 	for name, bad := range map[string]string{
 		"earn_per_amount 0":        `{"point": {"earn_per_amount": 0}}`,
 		"negative earn_value":      `{"coin": {"earn_value": -1}}`,
+		"earn mode unknown":        `{"point": {"earn_mode": "PERCENT"}}`,
+		"earn_percent over 100":    `{"coin": {"earn_percent": 101}}`,
 		"negative min_order":       `{"point": {"min_order_amount": -5}}`,
 		"negative max_per_order":   `{"point": {"max_per_order": -1}}`,
 		"payment percent over 100": `{"point_payment": {"max_payment_percent": 101}}`,
diff --git a/internal/models/loyalty.go b/internal/models/loyalty.go
index 3a0f8b1..5733bdb 100644
--- a/internal/models/loyalty.go
+++ b/internal/models/loyalty.go
@@ -5,6 +5,8 @@ import (
 	"time"
 
 	"github.com/google/uuid"
+
+	"apskel-pos-be/internal/constants"
 )
 
 // OutletLoyaltySettings are an outlet's loyalty settings (docs/prd-point-coin.md F1).
@@ -15,15 +17,23 @@ type OutletLoyaltySettings struct {
 	PointPayment LoyaltyPointPaymentSettings `json:"point_payment"`
 }
 
-// LoyaltyEarnSettings is how much of one currency an order earns:
-// floor(basis / EarnPerAmount) × EarnValue, nothing below MinOrderAmount, and at most
-// MaxPerOrder when set.
+// LoyaltyEarnSettings is how much of one currency an order earns, nothing below
+// MinOrderAmount, and at most MaxPerOrder when set:
+//
+//   - PER_AMOUNT: floor(basis / EarnPerAmount) × EarnValue;
+//   - PERCENTAGE: floor(basis × EarnPercent / 100).
+//
+// The settings of the mode not in use are kept, so switching back restores them.
 type LoyaltyEarnSettings struct {
-	Enabled        bool   `json:"enabled"`
-	EarnPerAmount  int64  `json:"earn_per_amount"`
-	EarnValue      int64  `json:"earn_value"`
-	MinOrderAmount int64  `json:"min_order_amount"`
-	MaxPerOrder    *int64 `json:"max_per_order"`
+	Enabled bool `json:"enabled"`
+	// PER_AMOUNT or PERCENTAGE.
+	EarnMode      string `json:"earn_mode"`
+	EarnPerAmount int64  `json:"earn_per_amount"`
+	EarnValue     int64  `json:"earn_value"`
+	// PERCENTAGE: percent of the basis earned, 0–100 with at most two decimals.
+	EarnPercent    float64 `json:"earn_percent"`
+	MinOrderAmount int64   `json:"min_order_amount"`
+	MaxPerOrder    *int64  `json:"max_per_order"`
 }
 
 type LoyaltyPointPaymentSettings struct {
@@ -102,8 +112,8 @@ type OutletLoyaltySettingsView struct {
 	// The organization's rupiah value of one EnakPoint, which the cashback depends on.
 	PointValue int64 `json:"point_value"`
 	// Effective EnakPoint cashback in percent: earn_value × point_value /
-	// earn_per_amount × 100. Shown next to the setting so an owner cannot misread the
-	// scale (F1).
+	// earn_per_amount × 100, or earn_percent × point_value in PERCENTAGE mode. Shown
+	// next to the setting so an owner cannot misread the scale (F1).
 	PointCashbackPercent float64 `json:"point_cashback_percent"`
 	// Set on PUT: the keys that changed.
 	Changes []LoyaltySettingChange `json:"changes,omitempty"`
@@ -168,6 +178,15 @@ type LoyaltySettingsImpact struct {
 	CoinRupiahAfter     int64 `json:"coin_rupiah_after"`
 }
 
+// CashbackPercent is the rupiah value of what an order earns as a percentage of its
+// basis, in the mode the settings are in, rounded to two decimals.
+func (s LoyaltyEarnSettings) CashbackPercent(pointValue int64) float64 {
+	if s.EarnMode == constants.LoyaltyEarnModePercentage {
+		return math.Round(s.EarnPercent*float64(pointValue)*100) / 100
+	}
+	return LoyaltyCashbackPercent(s.EarnValue, pointValue, s.EarnPerAmount)
+}
+
 // NewLoyaltySettingsImpact computes the impact of moving from one organization setting
 // to another on the balances in circulation.
 func NewLoyaltySettingsImpact(points, coins int64, before, after OrganizationLoyaltySettings) LoyaltySettingsImpact {
diff --git a/internal/models/loyalty_test.go b/internal/models/loyalty_test.go
index 2fc48e5..2d4afbf 100644
--- a/internal/models/loyalty_test.go
+++ b/internal/models/loyalty_test.go
@@ -14,6 +14,14 @@ func TestLoyaltyCashbackPercent(t *testing.T) {
 	assert.Equal(t, 0.0, LoyaltyCashbackPercent(1, 1, 0))
 }
 
+func TestLoyaltyEarnSettings_CashbackPercent(t *testing.T) {
+	s := LoyaltyEarnSettings{EarnMode: "PER_AMOUNT", EarnPerAmount: 100, EarnValue: 1, EarnPercent: 2.5}
+	assert.Equal(t, 1.0, s.CashbackPercent(1))
+	s.EarnMode = "PERCENTAGE"
+	assert.Equal(t, 2.5, s.CashbackPercent(1))
+	assert.Equal(t, 250.0, s.CashbackPercent(100), "each point earned is worth point_value rupiah")
+}
+
 func TestNewLoyaltySettingsImpact(t *testing.T) {
 	before := OrganizationLoyaltySettings{PointValue: 1, Exchange: LoyaltyExchangeSettings{CoinAmount: 1, PointAmount: 1}}
 	after := OrganizationLoyaltySettings{PointValue: 100, Exchange: LoyaltyExchangeSettings{CoinAmount: 10, PointAmount: 1}}
diff --git a/internal/processor/earning_calculator.go b/internal/processor/earning_calculator.go
index 28825c4..f4b7b84 100644
--- a/internal/processor/earning_calculator.go
+++ b/internal/processor/earning_calculator.go
@@ -3,6 +3,7 @@ package processor
 import (
 	"math"
 
+	"apskel-pos-be/internal/constants"
 	"apskel-pos-be/internal/entities"
 	"apskel-pos-be/internal/models"
 )
@@ -36,6 +37,10 @@ func (r EarningResult) Metadata(line EarningLine) entities.Metadata {
 		"min_order_amount": line.Settings.MinOrderAmount,
 		"capped":           line.Capped,
 	}
+	if line.Settings.EarnMode == constants.LoyaltyEarnModePercentage {
+		m["earn_mode"] = line.Settings.EarnMode
+		m["earn_percent"] = line.Settings.EarnPercent
+	}
 	if line.Settings.MaxPerOrder != nil {
 		m["max_per_order"] = *line.Settings.MaxPerOrder
 	}
@@ -46,7 +51,8 @@ func (r EarningResult) Metadata(line EarningLine) entities.Metadata {
 //
 //	basis  = subtotal − discount_amount − paid with EnakPoint
 //	amount = 0                                  if basis < min_order_amount
-//	amount = floor(basis / earn_per_amount) × earn_value
+//	amount = floor(basis / earn_per_amount) × earn_value    in PER_AMOUNT mode
+//	amount = floor(basis × earn_percent / 100)              in PERCENTAGE mode
 //	amount = min(amount, max_per_order)         if max_per_order is set
 //
 // The part paid with EnakPoint earns nothing (Q10). Money is handled in whole cents so
@@ -66,13 +72,23 @@ func CalculateEarning(order *entities.Order, pointPaidAmount float64, settings m
 
 func earnLine(basisCents int64, s models.LoyaltyEarnSettings) EarningLine {
 	line := EarningLine{Settings: s}
-	if !s.Enabled || s.EarnPerAmount <= 0 || s.EarnValue <= 0 {
+	if !s.Enabled || basisCents < s.MinOrderAmount*100 {
 		return line
 	}
-	if basisCents < s.MinOrderAmount*100 {
-		return line
+	if s.EarnMode == constants.LoyaltyEarnModePercentage {
+		// The percent has at most two decimals, so in hundredths it is whole and the
+		// product stays in integers: cents × hundredths / (100 × 100 × 100).
+		hundredths := int64(math.Round(s.EarnPercent * 100))
+		if hundredths <= 0 {
+			return line
+		}
+		line.Amount = basisCents * hundredths / 1_000_000
+	} else {
+		if s.EarnPerAmount <= 0 || s.EarnValue <= 0 {
+			return line
+		}
+		line.Amount = basisCents / (s.EarnPerAmount * 100) * s.EarnValue
 	}
-	line.Amount = basisCents / (s.EarnPerAmount * 100) * s.EarnValue
 	if s.MaxPerOrder != nil && line.Amount > *s.MaxPerOrder {
 		line.Amount = *s.MaxPerOrder
 		line.Capped = true
diff --git a/internal/processor/earning_calculator_test.go b/internal/processor/earning_calculator_test.go
index b49efab..2fe987d 100644
--- a/internal/processor/earning_calculator_test.go
+++ b/internal/processor/earning_calculator_test.go
@@ -5,6 +5,7 @@ import (
 
 	"github.com/stretchr/testify/assert"
 
+	"apskel-pos-be/internal/constants"
 	"apskel-pos-be/internal/entities"
 	"apskel-pos-be/internal/models"
 )
@@ -113,6 +114,44 @@ func TestCalculateEarning_EdgeCases(t *testing.T) {
 	assert.Equal(t, int64(0), CalculateEarning(&entities.Order{Subtotal: 87500}, 0, s).Point.Amount)
 }
 
+func TestCalculateEarning_Percentage(t *testing.T) {
+	s := prdEarningSettings()
+	s.Point.EarnMode = constants.LoyaltyEarnModePercentage
+	s.Point.EarnPercent = 1
+
+	// 1% of the basis; the per-amount settings are ignored, and coin keeps its own mode.
+	got := CalculateEarning(&entities.Order{Subtotal: 97500, DiscountAmount: 10000}, 0, s)
+	assert.Equal(t, int64(875), got.Point.Amount)
+	assert.Equal(t, int64(3), got.Coin.Amount)
+	// The part paid with EnakPoint earns nothing in this mode either.
+	assert.Equal(t, int64(675), CalculateEarning(&entities.Order{Subtotal: 97500, DiscountAmount: 10000}, 20000, s).Point.Amount)
+
+	// Decimals, and floor, not round: 2.5% of 87.500 is 2187.5.
+	s.Point.EarnPercent = 2.5
+	assert.Equal(t, int64(2187), CalculateEarning(&entities.Order{Subtotal: 87500}, 0, s).Point.Amount)
+	s.Point.EarnPercent = 0.01
+	assert.Equal(t, int64(8), CalculateEarning(&entities.Order{Subtotal: 87599.99}, 0, s).Point.Amount)
+
+	// The minimum and the cap apply as in the other mode.
+	s.Point.EarnPercent = 10
+	s.Point.MinOrderAmount = 50000
+	max := int64(6000)
+	s.Point.MaxPerOrder = &max
+	assert.Equal(t, int64(0), CalculateEarning(&entities.Order{Subtotal: 49999}, 0, s).Point.Amount)
+	assert.Equal(t, int64(5000), CalculateEarning(&entities.Order{Subtotal: 50000}, 0, s).Point.Amount)
+	got = CalculateEarning(&entities.Order{Subtotal: 87500}, 0, s)
+	assert.Equal(t, int64(6000), got.Point.Amount)
+	assert.True(t, got.Point.Capped)
+
+	// The mode and percent are frozen on the ledger row.
+	assert.Equal(t, constants.LoyaltyEarnModePercentage, got.Metadata(got.Point)["earn_mode"])
+	assert.Equal(t, 10.0, got.Metadata(got.Point)["earn_percent"])
+
+	// A zero percent earns nothing even when enabled.
+	s.Point.EarnPercent = 0
+	assert.Equal(t, int64(0), CalculateEarning(&entities.Order{Subtotal: 87500}, 0, s).Point.Amount)
+}
+
 func TestCalculateEarning_MetadataSnapshot(t *testing.T) {
 	got := CalculateEarning(&entities.Order{Subtotal: 87500}, 0, prdEarningSettings())
 	assert.Equal(t, entities.Metadata{
diff --git a/internal/processor/loyalty_settings_processor.go b/internal/processor/loyalty_settings_processor.go
index 2b78e45..437e897 100644
--- a/internal/processor/loyalty_settings_processor.go
+++ b/internal/processor/loyalty_settings_processor.go
@@ -4,6 +4,7 @@ import (
 	"context"
 	"errors"
 	"fmt"
+	"math"
 	"strconv"
 	"strings"
 	"time"
@@ -240,14 +241,20 @@ func loyaltySettingChangeModel(row entities.LoyaltySettingChange) models.Loyalty
 func outletLoyaltyFields(s *models.OutletLoyaltySettings) []loyaltyField {
 	return []loyaltyField{
 		boolLoyaltyField(constants.LoyaltyPointEnabledKey, &s.Point.Enabled, false),
+		enumLoyaltyField(constants.LoyaltyPointEarnModeKey, &s.Point.EarnMode, constants.LoyaltyEarnModeDefault,
+			constants.LoyaltyEarnModePerAmount, constants.LoyaltyEarnModePercentage),
 		intLoyaltyField(constants.LoyaltyPointEarnPerAmountKey, &s.Point.EarnPerAmount, constants.LoyaltyPointEarnPerAmountDefault, 1, noLoyaltyMax),
 		intLoyaltyField(constants.LoyaltyPointEarnValueKey, &s.Point.EarnValue, constants.LoyaltyEarnValueDefault, 0, noLoyaltyMax),
+		percentLoyaltyField(constants.LoyaltyPointEarnPercentKey, &s.Point.EarnPercent, constants.LoyaltyEarnPercentDefault),
 		intLoyaltyField(constants.LoyaltyPointMinOrderAmountKey, &s.Point.MinOrderAmount, 0, 0, noLoyaltyMax),
 		optionalIntLoyaltyField(constants.LoyaltyPointMaxPerOrderKey, &s.Point.MaxPerOrder, 0),
 
 		boolLoyaltyField(constants.LoyaltyCoinEnabledKey, &s.Coin.Enabled, false),
+		enumLoyaltyField(constants.LoyaltyCoinEarnModeKey, &s.Coin.EarnMode, constants.LoyaltyEarnModeDefault,
+			constants.LoyaltyEarnModePerAmount, constants.LoyaltyEarnModePercentage),
 		intLoyaltyField(constants.LoyaltyCoinEarnPerAmountKey, &s.Coin.EarnPerAmount, constants.LoyaltyCoinEarnPerAmountDefault, 1, noLoyaltyMax),
 		intLoyaltyField(constants.LoyaltyCoinEarnValueKey, &s.Coin.EarnValue, constants.LoyaltyEarnValueDefault, 0, noLoyaltyMax),
+		percentLoyaltyField(constants.LoyaltyCoinEarnPercentKey, &s.Coin.EarnPercent, constants.LoyaltyEarnPercentDefault),
 		intLoyaltyField(constants.LoyaltyCoinMinOrderAmountKey, &s.Coin.MinOrderAmount, 0, 0, noLoyaltyMax),
 		optionalIntLoyaltyField(constants.LoyaltyCoinMaxPerOrderKey, &s.Coin.MaxPerOrder, 0),
 
@@ -329,6 +336,35 @@ func intLoyaltyField(key string, v *int64, def, min, max int64) loyaltyField {
 	}
 }
 
+// percentLoyaltyField is a percentage from 0 to 100 with at most two decimals, so it
+// is whole in hundredths and calculations with it stay in integers.
+func percentLoyaltyField(key string, v *float64, def float64) loyaltyField {
+	check := func(n float64) error {
+		// The negated form also rejects NaN.
+		if !(n >= 0 && n <= 100) {
+			return fmt.Errorf("%w: %s must be between 0 and 100", ErrInvalidLoyaltySettings, key)
+		}
+		if math.Abs(n*100-math.Round(n*100)) > 1e-6 {
+			return fmt.Errorf("%w: %s must have at most two decimals", ErrInvalidLoyaltySettings, key)
+		}
+		return nil
+	}
+	return loyaltyField{
+		key: key,
+		parse: func(raw string) bool {
+			n, err := strconv.ParseFloat(strings.TrimSpace(raw), 64)
+			if err != nil || check(n) != nil {
+				return false
+			}
+			*v = n
+			return true
+		},
+		reset:    func() { *v = def },
+		validate: func() error { return check(*v) },
+		format:   func() *string { s := strconv.FormatFloat(*v, 'f', -1, 64); return &s },
+	}
+}
+
 // optionalIntLoyaltyField is a limit that may be unset, meaning no limit.
 func optionalIntLoyaltyField(key string, v **int64, min int64) loyaltyField {
 	return loyaltyField{
diff --git a/internal/processor/loyalty_settings_processor_test.go b/internal/processor/loyalty_settings_processor_test.go
index ecbdb1e..7248c37 100644
--- a/internal/processor/loyalty_settings_processor_test.go
+++ b/internal/processor/loyalty_settings_processor_test.go
@@ -107,8 +107,8 @@ func TestLoyaltySettings_OutletWithoutSettingsGetsEveryDefault(t *testing.T) {
 	s, err := p.Outlet(context.Background(), uuid.New())
 	require.NoError(t, err)
 	assert.Equal(t, models.OutletLoyaltySettings{
-		Point:        models.LoyaltyEarnSettings{Enabled: false, EarnPerAmount: 100, EarnValue: 1, MinOrderAmount: 0, MaxPerOrder: nil},
-		Coin:         models.LoyaltyEarnSettings{Enabled: false, EarnPerAmount: 25000, EarnValue: 1, MinOrderAmount: 0, MaxPerOrder: nil},
+		Point:        models.LoyaltyEarnSettings{Enabled: false, EarnMode: "PER_AMOUNT", EarnPerAmount: 100, EarnValue: 1, EarnPercent: 1, MinOrderAmount: 0, MaxPerOrder: nil},
+		Coin:         models.LoyaltyEarnSettings{Enabled: false, EarnMode: "PER_AMOUNT", EarnPerAmount: 25000, EarnValue: 1, EarnPercent: 1, MinOrderAmount: 0, MaxPerOrder: nil},
 		PointPayment: models.LoyaltyPointPaymentSettings{AcceptPayment: false, MinPaymentPoints: 1, MaxPaymentPercent: 100},
 	}, *s)
 }
@@ -290,6 +290,10 @@ func TestLoyaltySettings_UpdateRejectsInvalidValues(t *testing.T) {
 	for name, mutate := range map[string]func(*models.OutletLoyaltySettings){
 		"earn_per_amount 0":        func(s *models.OutletLoyaltySettings) { s.Point.EarnPerAmount = 0 },
 		"negative earn_value":      func(s *models.OutletLoyaltySettings) { s.Coin.EarnValue = -1 },
+		"earn mode unknown":        func(s *models.OutletLoyaltySettings) { s.Point.EarnMode = "PERCENT" },
+		"negative earn_percent":    func(s *models.OutletLoyaltySettings) { s.Point.EarnPercent = -1 },
+		"earn_percent over 100":    func(s *models.OutletLoyaltySettings) { s.Coin.EarnPercent = 100.5 },
+		"earn_percent 3 decimals":  func(s *models.OutletLoyaltySettings) { s.Point.EarnPercent = 1.125 },
 		"negative min_order":       func(s *models.OutletLoyaltySettings) { s.Point.MinOrderAmount = -1 },
 		"negative max_per_order":   func(s *models.OutletLoyaltySettings) { s.Coin.MaxPerOrder = ptr(int64(-1)) },
 		"payment percent over 100": func(s *models.OutletLoyaltySettings) { s.PointPayment.MaxPaymentPercent = 101 },
diff --git a/internal/service/loyalty_settings_service.go b/internal/service/loyalty_settings_service.go
index 1d81921..20e592c 100644
--- a/internal/service/loyalty_settings_service.go
+++ b/internal/service/loyalty_settings_service.go
@@ -111,7 +111,7 @@ func (s *LoyaltySettingsServiceImpl) outletView(ctx context.Context, organizatio
 		OutletID:              outletID,
 		OutletLoyaltySettings: settings,
 		PointValue:            pointValue,
-		PointCashbackPercent:  models.LoyaltyCashbackPercent(settings.Point.EarnValue, pointValue, settings.Point.EarnPerAmount),
+		PointCashbackPercent:  settings.Point.CashbackPercent(pointValue),
 		Changes:               changes,
 	}, nil
 }