Gift cards & loyalty programs that move the needle.

The economics of a gift card program are unusually good for a merchant: you get paid up front for revenue you'll fulfill later. That's an interest-free loan from your customers. Add in breakage (unredeemed cards), overspend (customers buying more than the card value), and the customer acquisition value of a new visitor brought in by the gift recipient, and a typical gift card dollar is worth more to a business than a regular dollar.

Loyalty programs work on a different axis. Their job is to change the math on customer lifetime value — get an existing customer to come back one more time, spend slightly more per visit, or refer one new customer. A well-configured loyalty program typically lifts average ticket size 8-15% and visit frequency 20-30% among enrolled members.

Most merchants leave both of these on the table — either because the POS doesn't make it easy, or because the previous processor charged enough that the math didn't work. We fix both problems. Pricing is transparent, setup is included, and we'll recommend the right delivery path based on your POS, your business model, and how complex you want the program to be.

Branded card design

Custom card design featuring your logo, colors, and brand elements. We coordinate with the card manufacturer — typically 200-500 cards in your initial order, with reorders as needed. Standard glossy plastic, premium matte, or laminated paper depending on budget and use case.

E-gift card delivery

Customers can buy digital gift cards delivered by email or text message. The recipient redeems via a code or scannable barcode at your POS. Useful for last-minute gifts and online-buying customers.

Points-based loyalty rules

Configure how customers earn points (per dollar, per visit, on specific items, double points on slow days), what they can redeem points for (dollar discounts, free items, tier upgrades), and how rewards expire. We help design the math so it's generous enough to be loved without breaking your unit economics.

Multi-location coordination

For merchants with multiple locations, cards and loyalty profiles work across every location. A customer buys a gift card at your Troy location, redeems it at your Detroit location — the balance syncs in real time. Same with loyalty points.

Reporting & reconciliation

Dashboard shows cards sold, cards redeemed, outstanding liability (the dollar value of cards out there waiting to be spent), breakage trends, and loyalty redemption rates. Export to accounting for your gift card liability line item.

Compliance & expiration handling

State-by-state expiration rules vary — some states prohibit gift card expiration, some allow it with specific notice requirements. We configure compliant expiration handling based on where your business operates. Same with abandoned property (escheatment) where required.

POS-native track (Clover, SkyTab, SpotOn, etc.)

Card production: Typical custom card order runs $0.50-$1.25 per card depending on quantity, finish, and design complexity. Standard 250-card initial order is $200-$300.

Monthly platform fee: Varies by POS. Clover charges $14.95/month for their gift card module on most plans. SpotOn and SkyTab include it in their POS subscription on most tiers — no separate monthly. Cash Register Express has a small one-time setup fee.

Per-transaction: Gift card sales and redemptions process through your normal merchant account at standard rates. No surcharge on top.

Factor4 standalone track

Setup fee: One-time setup covers program configuration, custom card design coordination, and initial card production. Quoted per merchant — typically $300-$500 depending on program complexity and number of locations.

Monthly platform fee: Factor4 charges a monthly per-location fee, typically $15-$25/month/location. Multi-location merchants get volume discounts. Loyalty-only programs (no gift card) run lower.

Per-transaction: A small per-transaction fee on gift card load and redemption events, typically $0.10-$0.15 depending on volume tier.

What you don't pay either way

No long-term contracts. No early termination fees. No "loyalty premium" markup on processing rates. No annual fee on the gift card or loyalty program itself. We don't charge separately for our role setting it up — that's part of the merchant relationship.