diff --git a/frontend/src/lib/components/payments/PaymentModal.svelte b/frontend/src/lib/components/payments/PaymentModal.svelte
index 8b3e4c7..1f415f7 100644
--- a/frontend/src/lib/components/payments/PaymentModal.svelte
+++ b/frontend/src/lib/components/payments/PaymentModal.svelte
@@ -7,6 +7,8 @@
 	import type { Booking, BookingService, BookingDiscount } from '$lib/types/booking';
 	import { authStore } from '$lib/stores/auth.svelte';
 
+	const LOYALTY_DISCOUNT_RATE = 0.1;
+
 	interface Props {
 		booking: Booking;
 		onClose: () => void;
@@ -45,6 +47,20 @@
 	let paymentResult = $state<PaymentResult | null>(null);
 	let error = $state<string | null>(null);
 
+	let stamps = $state(booking.user?.loyalty_stamps ?? 0);
+	let useLoyalty = $state(false);
+
+	let loyaltyEligible = $derived(
+		stamps >= 10 &&
+			!(booking.discounts ?? []).some((d: BookingDiscount) => d.discount_source === 'loyalty') &&
+			booking.total_amount > 0 &&
+			booking.amount_paid === 0
+	);
+
+	let loyaltyDiscount = $derived(
+		useLoyalty ? Math.round(booking.total_amount * 100 * LOYALTY_DISCOUNT_RATE) : 0
+	);
+
 	let customerBalance = $state(0);
 	let loadingCustomerBalance = $state(false);
 	let giftCardPaymentAmount = $state('');
@@ -218,6 +234,21 @@
 		}).format(value);
 	}
 
+	async function applyLoyaltyRedemption(): Promise<void> {
+		if (!useLoyalty) return;
+		const res = await fetch(`/api/admin/bookings/${booking.id}/apply-redemption`, {
+			method: 'POST',
+			headers: {
+				'Content-Type': 'application/json',
+				Authorization: `Bearer ${authStore.currentToken}`
+			}
+		});
+		if (!res.ok) {
+			const errData = await res.text();
+			throw new Error(errData || 'Failed to apply loyalty discount');
+		}
+	}
+
 	async function handleCardPayment() {
 		const finalAmount = totalDue;
 
@@ -230,6 +261,8 @@
 		error = null;
 
 		try {
+			await applyLoyaltyRedemption();
+
 			const response = await fetch(`/api/admin/bookings/${booking.id}/payment`, {
 				method: 'POST',
 				headers: {
@@ -237,7 +270,7 @@
 					Authorization: `Bearer ${authStore.currentToken}`
 				},
 				body: JSON.stringify({
-					amount: Math.round(finalAmount * 100),
+					amount: Math.round(finalAmount * 100) - loyaltyDiscount,
 					payment_type: 'full',
 					tip_enabled: tipEnabled
 				})
@@ -357,19 +390,23 @@
 	}
 
 	async function handleCashPayment() {
-		if (cashAmountNum < totalDue) {
+		const cashDue = totalDue - loyaltyDiscount / 100;
+
+		if (cashAmountNum < cashDue) {
 			toast.error('Cash amount must cover the total');
 			return;
 		}
 
-		const tipAmount = extraAsTip ? cashAmountNum - totalDue : 0;
+		const tipAmount = extraAsTip ? cashAmountNum - cashDue : 0;
 
 		status = 'cash-confirming';
 		error = null;
 
 		try {
+			await applyLoyaltyRedemption();
+
 			const body: Record<string, unknown> = {
-				amount: Math.round(totalDue * 100),
+				amount: Math.round(cashDue * 100),
 				payment_type: 'full',
 				payment_method: 'cash'
 			};
@@ -474,7 +511,9 @@
 			return;
 		}
 
-		let payAmountCents = Math.round(totalDue * 100);
+		const giftDue = totalDue - loyaltyDiscount / 100;
+
+		let payAmountCents = Math.round(giftDue * 100);
 		if (useAccountBalance) {
 			const parsedAmt = parseFloat(giftCardPaymentAmount);
 			if (isNaN(parsedAmt) || parsedAmt <= 0) {
@@ -492,6 +531,8 @@
 		error = null;
 
 		try {
+			await applyLoyaltyRedemption();
+
 			const body: any = {
 				amount: payAmountCents,
 				payment_type: 'full',
@@ -566,6 +607,8 @@
 		error = null;
 
 		try {
+			await applyLoyaltyRedemption();
+
 			const response = await fetch(`/api/admin/bookings/${booking.id}/payment`, {
 				method: 'POST',
 				headers: {
@@ -573,7 +616,7 @@
 					Authorization: `Bearer ${authStore.currentToken}`
 				},
 				body: JSON.stringify({
-					amount: Math.round(totalDue * 100),
+					amount: Math.round(totalDue * 100) - loyaltyDiscount,
 					payment_type: 'full',
 					payment_method: 'saved_card',
 					saved_card_id: selectedSavedCardId
@@ -663,6 +706,24 @@
 					</div>
 				</div>
 
+				{#if loyaltyEligible}
+					<div class="rounded-md border border-fuchsia-100 bg-fuchsia-50 p-4">
+						<div class="flex items-start gap-3">
+							<Checkbox
+								id="use-loyalty-admin"
+								bind:checked={useLoyalty}
+								disabled={status !== 'idle'}
+							/>
+							<label for="use-loyalty-admin" class="cursor-pointer select-none">
+								<div class="text-sm font-medium text-fuchsia-900">Use Loyalty Stamp Card</div>
+								<div class="mt-0.5 text-xs text-fuchsia-700">
+									{Math.floor(stamps / 10)} full card{Math.floor(stamps / 10) === 1 ? '' : 's'} available &middot; {Math.round(LOYALTY_DISCOUNT_RATE * 100)}% off ({formatCurrency(Math.round(booking.total_amount * 100 * LOYALTY_DISCOUNT_RATE))})
+								</div>
+							</label>
+						</div>
+					</div>
+				{/if}
+
 				{#if booking.discounts && booking.discounts.length > 0}
 					<div class="rounded-md border border-gray-100 bg-gray-50/50 p-4">
 						<div class="mb-3 flex items-center justify-between">
diff --git a/frontend/src/lib/components/payments/UserPaymentModal.svelte b/frontend/src/lib/components/payments/UserPaymentModal.svelte
index 55d59ff..a7d6567 100644
--- a/frontend/src/lib/components/payments/UserPaymentModal.svelte
+++ b/frontend/src/lib/components/payments/UserPaymentModal.svelte
@@ -12,6 +12,8 @@ import { SvelteDate } from 'svelte/reactivity';
 	import PolicyPopover from '$lib/components/ui/policyPopover.svelte';
 	import { authStore } from '$lib/stores/auth.svelte';
 
+	const LOYALTY_DISCOUNT_RATE = 0.1;
+
 	interface Props {
 		booking: Booking;
 		onClose: () => void;
@@ -242,11 +244,12 @@ import { SvelteDate } from 'svelte/reactivity';
 	let loyaltyEligible = $derived(
 		stamps >= 10 &&
 			!(booking.discounts ?? []).some((d) => d.discount_source === 'loyalty') &&
-			booking.total_amount > 0
+			booking.total_amount > 0 &&
+			booking.amount_paid === 0
 	);
 
 	let loyaltyDiscount = $derived(
-		useLoyalty ? Math.round(booking.total_amount * 100 * 0.1) : 0
+		useLoyalty ? Math.round(booking.total_amount * 100 * LOYALTY_DISCOUNT_RATE) : 0
 	);
 
 	// Deposit policy warning text — dynamic based on booking state
@@ -731,7 +734,7 @@ import { SvelteDate } from 'svelte/reactivity';
 							<label for="use-loyalty" class="cursor-pointer select-none">
 								<div class="text-sm font-medium text-fuchsia-900">Use my Loyalty Stamp Card</div>
 								<div class="mt-0.5 text-xs text-fuchsia-700">
-									{stamps} stamps available &middot; 10% off ({formatCurrency(Math.round(booking.total_amount * 100 * 0.1))})
+									{stamps} stamps available &middot; {Math.round(LOYALTY_DISCOUNT_RATE * 100)}% off ({formatCurrency(Math.round(booking.total_amount * 100 * LOYALTY_DISCOUNT_RATE))})
 								</div>
 							</label>
 						</div>