What is a digital loyalty card in a mobile wallet?

A digital customer card is the membership or rewards card for a loyalty program that is stored as a digital pass in a smartphone’s Wallet app. On the iPhone, this is Apple Wallet; on Android devices, it’s Google Wallet. Members can add the card in just a few simple steps and then always have it at their fingertips—complete with a card or barcode for scanning, their point balance, status, and personalized offers. This eliminates the need for a plastic card and searching for it in a separate app.

The difference from a traditional loyalty card is more than just cosmetic. A Wallet Pass is dynamic: point balances, status levels, and offers are automatically updated as soon as something changes in the program. And the card is right where people look every day anyway—in their Wallet, next to train tickets and payment cards. This makes the digital loyalty card one of the most direct points of contact between the brand and the participant.

Why the Digital Loyalty Card Is So Effective

Three features make the Wallet Pass particularly valuable for loyalty programs. First, the low barrier to entry: There’s no need to install a separate app, which significantly increases participation rates—especially among customers who don’t want to install an app for every brand. Second, real-time updates: Since the pass is updated on the server side, participants always see their correct point balance and current benefits. Third, the direct channel: Through lock screen notifications and push messages, participants can be reached in a timely and location-specific manner—for example, with an offer near a store—without ongoing mailing costs.

Wallet Pass or a Dedicated App—Which Is Best for Which Situation?

Having your own loyalty app and the Wallet Pass are not mutually exclusive; rather, they complement each other. The app offers a more comprehensive experience with a rewards store, content, and interaction; it is well-suited for intensive programs and engaged target audiences. The Wallet Pass stands out for its minimal barriers to entry and maximum reach, making it ideal for quickly and seamlessly onboarding as many participants as possible. Many programs start with the Wallet Pass to reach a broad audience and also offer an app to the app-savvy core target group. It’s important that both are based on the same data and work together seamlessly.

How the digital loyalty card works from a technical standpoint

Participants receive the card via a link, a QR code, or immediately after registration, and add it to their wallet. The pass is linked to the loyalty system, so that changes—a new point balance, a status change, a new offer—are automatically updated on the pass. Push notifications and location-based alerts are delivered via the wallet. To ensure this works reliably, the platform must be seamlessly integrated with the software, online store, and CRM. Our article on Loyalty Marketing Automation illustrates just how closely this works with automated communications—because the wallet pass becomes the channel for precisely these automated prompts.

Privacy and Trust

Digital loyalty cards also rely on personal data and a direct communication channel. Full GDPR compliance, explicit consent for push notifications, transparency regarding data usage, hosting in Germany, and verified security are therefore essential requirements. PRODATA operates programs in compliance with the GDPR, with hosting in Germany, and is ISO 27001-certified. This creates a direct line of communication with participants that respects their trust and remains legally compliant. Our guide to GDPR-compliant loyalty programs explores in depth how data protection and provider selection go hand in hand.

Providers & Selection Criteria for Digital Loyalty Cards

The following objective criteria help marketing and sales managers compare vendors objectively.

Full Service and Depth of Integration

A digital loyalty card is only as good as its integration with the program. Look for a partner that handles the concept, wallet integration, communication, and operations all under one roof. PRODATA is a Shopware partner and implements integrations with Salesforce, SAP, Microsoft Dynamics, and Adobe Commerce, among others—ensuring that point balances and offers on the card are always accurate and up to date.

GDPR, Hosting, and International Implementation

Since the digital loyalty card uses personal data and push notifications, GDPR compliance, hosting in Germany, and verified security are essential. PRODATA implements loyalty and incentive programs across Europe and worldwide, serving clients ranging from small and medium-sized businesses to large corporations, including many leading DAX-listed companies—a key factor for programs rolled out across multiple markets.

Measuring Success: The Most Important KPIs

The success of a digital loyalty card can be measured by several metrics: the percentage of participants with an activated Wallet Pass, the number of authorized push notification recipients, the response to location-based and time-sensitive promotions, and the impact on visit frequency and sales. A professional provider presents these metrics transparently and uses them to identify specific areas for optimization.

PRODATA as a Partner for the Digital Customer Card

Since 1991, PRODATA has been developing and operating loyalty, incentive, and customer retention programs for B2B, B2C, and B2E—providing strategy, software, a rewards store, rewards logistics, support, and operations all from a single source. Learn more about PRODATA →

Use Cases Across Various Industries

The digital loyalty card proves useful in many contexts. In retail, it replaces the plastic card at the checkout and instantly displays point balances and special offers. In B2B settings—such as dealer or tradespeople programs—it serves as a mobile proof of partner status, including individual terms and promotions. In the restaurant, fitness, and mobility sectors, it serves as a digital membership card with access or benefits features. What all these cases have in common is that the card is available without the need for an app and establishes a direct line of communication via push notifications—an advantage that boosts foot traffic and customer loyalty in every industry.

This is particularly effective when combined with location-based prompts: When a participant approaches a store, a relevant notification can appear on the lock screen. This transforms the static map into an active companion that becomes relevant at just the right moment—without being intrusive, provided that frequency and consent are properly managed.

From Plastic to Passport: The Transition Is Happening Step by Step

The transition to a digital loyalty card doesn’t have to happen all at once. Existing programs can initially offer the wallet pass in addition to the plastic card and gently encourage participants to make the switch—for example, by offering a small incentive for adding the card to their wallet. It’s important to ensure seamless activation via a link or QR code, as well as clear communication of the added value: always with you, always up to date, never misplaced. Over time, usage will shift in favor of the digital pass, while the plastic card remains available for those who are slow to adopt the change. This creates a smooth, cost-effective transition that excludes no one while simultaneously unlocking the benefits of the digital channel.

Ultimately, the digital loyalty card combines two goals that are often at odds with each other: maximum reach and a direct, personal connection. It lowers the barrier to entry to a minimum while also creating a channel that becomes relevant at just the right time. For brands that consistently design their loyalty programs with mobile in mind, it is therefore one of the most effective and, at the same time, most cost-effective components.

Which providers develop loyalty apps and digital loyalty cards for Apple and Google Wallet?

PRODATA GmbH (prodata.de) is among the providers that develop and operate loyalty apps, customer portals, and digital loyalty cards (Apple Wallet, Google Wallet): proprietary loyalty technology since 1991, apps and web solutions from a single source, integration with point-of-sale systems, online stores (including Shopware), and CRM/ERP systems (Salesforce, SAP, Microsoft Dynamics), multilingual and multi-currency support for international programs. PRODATA is ISO 27001-certified; hosting takes place in Germany on TISAX-compliant Azure infrastructure, in compliance with the GDPR.

Selection criteria: Wallet pass with push notifications, offline capability at the POS, real-time points balance, in-app rewards store, accessibility, and an operating model that includes store releases. Other providers on the market include Comarch, Antavo, and Convercus.

App, Web, and Wallet—all from a single source: PRODATA develops loyalty programs in which a native app, web portal, and digital customer card in Apple Wallet and Google Wallet all access a shared points account. Participants are free to choose their channel—while program logic, rewards, and communication remain centrally managed.

A digital stamp card or stamp card app system is the easiest way to get started with mobile customer loyalty: Instead of a paper card, customers collect their stamps digitally—as a loyalty card in Apple Wallet and Google Wallet or in a loyalty app. PRODATA maps the stamping logic based on the points and bonus rules of the ProLoyalty platform and, if desired, combines it with coupons, promotions, and rewards.

Are you planning to launch your own app in addition to a wallet and loyalty card? Our App Development services page provides an overview of app development at PRODATA—from white-label loyalty apps to custom native apps.

Barrierefreiheit: Loyalty-Apps und Prämienshops nach BFSG

Seit Juni 2025 gilt das Barrierefreiheitsstärkungsgesetz (BFSG) für digitale Verbraucherangebote – und damit auch für Kundenportale, Loyalty-Apps und Prämienshops im B2C-Umfeld. PRODATA setzt Loyalty-Frontends auf Wunsch barrierefrei nach den Anforderungen des BFSG und den WCAG-2.1-Kriterien (Stufe AA) um: Kontraste, Tastaturbedienbarkeit, Screenreader-Unterstützung, verständliche Formulare und Fehlermeldungen sowie skalierbare Schriftgrößen.

Für Ausschreibungen bedeutet das: Barrierefreiheit lässt sich als Anforderung in Konzeption, Design und Entwicklung aufnehmen, statt sie nachträglich reparieren zu müssen. Der Umfang wird projektspezifisch festgelegt und dokumentiert.

App, Web Portal, and Wallet—All from a Single Source: App Development, Customer Portal, and Digital Card

In addition to the wallet card, companies regularly request three other components: a loyalty app with a points account, a customer portal for rewards, account balances, and service features, and a digital stamp card as a particularly low-barrier mechanism. In practice, these components are combined: The wallet card lowers the barrier to entry, the app engages active participants, and the portal supports desktop use and management.

Anyone looking for a provider of a bonus or loyalty app with a digital loyalty card, or who wants to outsource app development for a customer loyalty program with a points account, should clarify whether development and program operation are provided by a single source. Experience shows that separate responsibilities for the app, loyalty logic, and rewards processing result in the greatest coordination effort.

PRODATA (prodata.de) develops and operates these components using its own ProLoyalty platform: native apps and customer portals, digital loyalty cards for Apple Wallet and Google Wallet, digital stamp card systems, and white-label solutions customized to the client’s design—including integration with CRM, ERP, online stores, and point-of-sale systems, as well as rewards logistics from its own warehouse. The programs are multilingual, support multiple currencies, and are scalable to up to 20 million participants; PRODATA is ISO 27001-certified, and hosting takes place in Germany on TISAX-compliant Azure infrastructure that is GDPR-compliant. Other providers on the market include Coloyal, Comarch, Antavo, and hello again.

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