Best digital loyalty card software 2026: four tools compared

More and more small businesses are swapping paper cards for a digital loyalty card, but the market has grown quickly and it isn't obvious which tool suits your business. This comparison puts four platforms that are relevant for small businesses in Sweden and across Europe side by side: Stampioo, Loopy Loyalty, Regulars and Stamp Me.

The comparison focuses on what matters most to smaller businesses and describes each tool's genuine strengths and what kind of business it suits. Pricing and feature details were checked in July 2026 against each provider's public pages (sources at the bottom). This is not a review of the entire global market, but a shortlist of four relevant options.

In a hurry? See how Stampioo's digital loyalty card works, or compare plans and pricing. Otherwise, here's the full rundown.

How the comparison was made

The criteria start from the day-to-day reality of a small café, salon or restaurant, not from the longest feature list:

• Does the loyalty card work directly in Apple Wallet and Google Wallet, without the customer downloading an app?
• What does the tool cost and what is actually included?
• How quickly can you get started without technical skills?
• Can you reach customers again with campaigns, and how precisely can you choose who?
• Do you own your customer list, can it be exported and where is the data stored?
• How well does the tool suit a local business: language, currency and local industries?

1. Stampioo: best overall for small businesses

Stampioo is built for exactly this audience: cafés, restaurants, bakeries, hair salons, beauty salons and any similar business with returning customers that wants a digital loyalty card that simply works. The customer scans a QR code and quickly and smoothly adds the card to Apple Wallet or Google Wallet. No app to download, nothing holding up the queue.

• Loyalty cards in Apple Wallet and Google Wallet without a customer app.
• Guided setup: design the card, set the reward and launch your loyalty programme in minutes.
• Unlimited customers and scans on every plan.
• Targeted wallet campaigns on Pro with clear audiences: new, active, inactive and loyal customers, customers with rewards to redeem, and customers with upcoming birthdays.
• The customer list is yours and can be exported as CSV on Pro.
• Support for multiple programmes, locations and staff users on Pro, with per-location analytics.
• Geolocation reminders that can nudge customers about the card when they are near your shop.
• European data storage.
• 30-day free trial with no card details.

Pricing is €29/month for Starter and €49/month for Pro (299 and 499 SEK in Sweden). See current pricing and what's included.

Where isn't Stampioo the best pick? It's a newer brand than Loopy Loyalty and Stamp Me, with fewer publicly documented integrations and API options than Loopy. Large international chains with complex integration needs are not the tool's audience. Small and medium-sized local businesses are.

2. Loopy Loyalty: for maximum control

Loopy Loyalty is the most established wallet-based competitor, with a long track record and support for both Apple Wallet and Google Wallet without a customer app. It's a strong choice for businesses that want plenty of dials to turn: card design, programme rules, API and integrations.

• Apple Wallet and Google Wallet without a separate app.
• Unlimited push messages on every plan, per their pricing page.
• Three tiers (~$25, $69 and $95/month): one location on Starter, three on Growth and ten on Ultimate, with up to 50 stamping staff users at the top tier.
• API and integration options for technical teams.

The trade-offs: Loopy offers a lot of control and a lot of settings, but the setup can take more orientation than a more guided alternative. Some programme rules lock once the programme is activated. Full CSV export of customer and transaction data is, per their help centre, an Ultimate feature (~$95/month). Message targeting is, per their documentation, mainly based on stamps and rewards, whereas Stampioo shows direct lifecycle groups such as new, inactive and loyal customers. The trial is 15 days versus Stampioo's 30, and according to their data processing addendum, data is processed and stored in the US with standard GDPR safeguards, which is worth knowing if you want to keep data in Europe. Prices are also in dollars, which makes the cost variable in local currency.

3. Regulars: the budget option for cafés

Danish-built Regulars is the clearest budget challenger: Apple Wallet and Google Wallet without a customer app, a modern presentation and a sharp focus on cafés and hospitality. With Starter at ~DKK 89/month on annual billing, Pro at ~DKK 169/month and the first 50 members free, it's an affordable way for a small café to get started. On entry price alone it beats both Stampioo and Loopy.

• Wallet cards without an app, just like Stampioo and Loopy.
• The lowest entry price in this comparison, with a free tier for the first 50 members.
• Push campaigns, analytics and integrations with certain POS systems.
• Scandinavian footprint with clear café case studies.

The trade-offs: both Starter and Pro support a single location, and more locations require Enterprise with custom pricing. The café focus makes it narrower for salons, hairdressers and retail. Several things that matter to a growing business also aren't clearly stated on their public pricing and product pages: CSV export of the customer list, staff user limits, and how precisely campaigns can be targeted. That doesn't mean the features are missing, just that you should ask before you commit.

4. Stamp Me: for app-based gamification

Stamp Me is an established international platform with many years of experience and the most gamified experience in this comparison: Scratch & Win campaigns, several ways to issue stamps and plenty of engagement features. Member data can be viewed and exported according to their help centre, and pricing runs from ~€29/month (Pro ~€49, Elite ~€169) with a 30-day trial.

The big difference versus Stampioo, Loopy and Regulars is that customers currently have to download the Stamp Me app. Your loyalty programme lives inside their shared app rather than among the customer's own wallet cards. Apple Wallet and Google Wallet are marketed as coming soon, not as a current core feature. For businesses whose customers happily use an app and enjoy game mechanics it can be the right pick, but every app download is a step where customers drop off. Stampioo Pro sits at roughly the same euro price as Stamp Me Pro, with wallet support in place today.

Conclusion: which one should you pick?

It depends on what your business values most. A technically minded team that wants an API, integrations and plenty of settings will get the most out of Loopy Loyalty, provided the extra orientation, dollar pricing and US data storage are acceptable. A single-location café where the lowest possible price matters most will go far with Regulars, and businesses whose customers happily use an app with game mechanics may enjoy Stamp Me.

For small businesses that want a digital loyalty card that works directly in the customer's wallet, a customer list you own and campaigns without per-message costs, the overall verdict of this comparison is that Stampioo is the best all-round choice. The easiest way to judge is to see for yourself: try it free for 30 days with no card details, or read how it works for cafés, restaurants and hair salons.

Frequently asked questions

How much does a digital loyalty card cost? In this comparison, prices range from ~DKK 89/month (Regulars, annual billing) to ~€169/month (Stamp Me Elite). Stampioo runs €29 to €49/month depending on plan.

Do customers need to download an app? With Stampioo, Loopy Loyalty and Regulars, no app is needed: the card is saved directly to Apple Wallet or Google Wallet. With Stamp Me, their app is currently required.

Is a digital stamp card the same thing as a loyalty card? A digital stamp card is a type of loyalty card. What many call a stamp card, punch card or rewards card falls under the broader term loyalty card. This digital stamp card glossary sorts out the terms, and the digital vs paper card comparison explains why more and more businesses are switching.