Paying with Nomni Loyalty (formerly Liven) even if you do not have Nomni Loyalty left is still possible. And the good thing about it is that you receive rewards when you pay using your Nomni Loyalty credits and your fallback method.
*Note:*
If the Nomni Loyalty credit is on, the moment that your Brandollars is consumed to zero value, every time you dine in the restaurant where your Brandollars is maxed out, your Nomni Loyalty coins will be deducted too and when the Nomni Loyalty wallet is $0, then your fallback method will automatically be charged.
Scenario 1: When you have Nomni Loyalty
Brandollars amount = $100 > Total bill is $100
Payment will be "Spend your $100 credit" until it is $0
Scenario 2: When you do not have Nomni Loyalty but have Nomni Loyalty credits
Brandollars $0 + You have $50 Nomni Loyalty coins + Fallback method set up
The total bill is $58.95
Payment will be "$50 Liven credits" + $8.95 charge to the fallback method
Scenario 3: When you do not have Nomni Loyalty and no Nomni Loyalty credits
Brandollars $0 + $0 Nomni Loyalty credits + Fallback method set up
Total bill is $10.75
Payment will be a $10 charge to the fallback payment method
This should explain how payment works when your Brandollars run out.