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Factor4
Factor4 lists its address as 620 Parkway Drive, Suite 4, Broomall, Pennsylvania 19008.
What it is
Factor4 gives businesses tools to run gift card and loyalty programs across in-store, online, and mobile shopping. Merchants can offer physical cards, e-gift cards, and loyalty cards, and can use one gift card for both stored value and loyalty. Its platform processes transactions in real time at the point of sale; merchants can track card activity, review reports, check balances, and use a virtual terminal in the merchant portal. Customers can receive gift cards by text or email from a web portal, while a branded app lets them pay by phone, add funds, check balances, and view transaction histories. Loyalty programs can reward repeat purchases and help merchants track customer behavior and capture customer data at checkout. RewardOS provides APIs for program setup, campaigns, transactions, and reporting. Integrations include Clover, Toast, Shopify, Epos Now, and GoTab; Shopify supports buying and redeeming physical and e-gift cards. Factor4 also offers card design, production, and merchandising materials. It supports Android, iOS, web, and API use. Pricing is on request; the homepage advertises unlimited transactions with a monthly program fee.
For and against
For
- Supports physical cards and e-gift cards.
- Gift cards can also serve as loyalty cards.
- Processes transactions in real time at point of sale.
- Shopify integration supports purchase and redemption.
- Branded app supports phone payments and balance checks.
Against
- Pricing is available only on request.
- Monthly program fee applies.
The verdict
Factor4 combines gift card and loyalty functions with transaction reporting, customer-facing tools, and integrations. Merchants should request pricing and check whether their existing systems are supported.
Who it suits
Factor4 suits merchants of different sizes that want to offer gift cards and loyalty programs across physical and digital channels. Businesses using supported point-of-sale, ordering, or shopping platforms may also find its integrations relevant.
On the record
- API
- RewardOS includes setup, campaign, transaction, and reporting APIs for onboarding businesses, processing stored-value cards, integrating transactions, and extracting data.factor4gift.com · read 30 Sep 2026
- Audience
- Factor4 says its gift card programs serve merchants of all sizes, from small and midsize businesses to Fortune 500 companies.factor4gift.com · read 29 Sep 2026
- Card design and fulfillment
- Factor4 offers custom card design, pre-designed cards, card production, and gift card merchandising materials.factor4gift.com · read 29 Sep 2026
- Card tracking
- Merchants can track and report on gift cards, and a gift card can also serve as a loyalty card so merchants can run both programs on one card.factor4gift.com · read 29 Sep 2026
- Digital gift cards
- Factor4 offers merchants a solution to deploy digital gift card programs.factor4gift.com · read 30 Sep 2026
- Gift cards
- Merchants can offer customizable closed-loop stored value cards that also work as loyalty cards.factor4gift.com · read 30 Sep 2026
- Integrations
- Factor4 publishes an integrations list and names Toast among its integrations; it invites developers to contact the company about API integration.factor4gift.com · read 30 Sep 2026
- Loyalty
- Factor4 loyalty programs reward repeat purchases and let merchants track customer behavior at the point of sale and capture customer data.factor4gift.com · read 29 Sep 2026
- Merchant tools
- The merchant portal offers transaction and outstanding-card reports, merchant information, balance checks, and a virtual terminal for gift and loyalty transactions.factor4gift.com · read 29 Sep 2026
- Mobile app
- The branded gift card app lets customers pay by phone, add funds, check balances, and view transaction histories.factor4gift.com · read 30 Sep 2026
- Omnichannel
- The platform supports in-store, online, and mobile shopping, including texting or emailing gift cards to recipients from a web portal.factor4gift.com · read 29 Sep 2026
- Partner integrations
- The partner page describes integrations or partner offerings including Clover, Epos Now, GoTab, InComm, and Shopify.factor4gift.com · read 30 Sep 2026
- Payment handling
- Factor4’s privacy notice says payment data is handled and stored by Authorize.net and Stripe.factor4gift.com · read 30 Sep 2026
- Platform availability
- Factor4 links to gift and loyalty apps for both Apple iOS and Google Play.factor4gift.com · read 29 Sep 2026
- Pricing
- The maker’s homepage advertises a low monthly program fee and unlimited transactions but does not state a price.factor4gift.com · read 30 Sep 2026
- Product
- Factor4 provides omnichannel gift card and loyalty program solutions for businesses of all sizes.factor4gift.com · read 30 Sep 2026
- Real-time processing
- Its vertically integrated platform processes gift card and loyalty transactions in real time at the point of sale.factor4gift.com · read 29 Sep 2026
- Security
- Factor4 says it has appropriate and reasonable technical and organizational measures to protect personal information, while noting it cannot guarantee complete security.factor4gift.com · read 30 Sep 2026
