Factor4
Broomall, Pennsylvania, United States
What it is
Factor4 provides gift card and loyalty programs for businesses through a real-time stored value platform. Physical cards and digital e-gift codes draw on a shared balance, with options for partial redemption and reloads. Loyalty accounts can track points, visits, and spending tiers alongside gift card balances. Merchants can offer a branded mobile app for balance checks, transaction history, reloads, loyalty progress, and Apple Wallet or Google Wallet passes. A hosted storefront supports gift card purchases and scheduled e-gift delivery by email or SMS. Campaign tools include bonus value, discounts, BOGO offers, seasonal campaigns, and behavioral triggers. Businesses can issue cards in bulk by CSV or send digital cards to a recipient list. The browser-based Virtual Terminal supports issuing and redeeming cards without POS hardware, while RewardOS provides API endpoint groups for setup, campaigns, transactions, and reporting. Factor4 lists 197 integrations, including Clover, Toast, Shopify, and Micros Simphony. Pricing is on request and depends on location count, channel mix, and integrations; the company describes a low monthly fee with unlimited transactions.
For and against
For
- Physical and digital cards share a balance.
- Loyalty supports points, visits, and spend tiers.
- Virtual Terminal works without POS hardware.
- Bulk issuance supports CSV files and recipient lists.
- Support is available seven days a week.
Against
- Pricing is available by request.
- Pricing depends on locations, channels, and integrations.
The verdict
Factor4 combines gift card issuance, loyalty, promotions, and reporting options in one stored value platform. Businesses should request a quote based on their location count, channel mix, and integration needs.
Who it suits
Factor4 is aimed at businesses such as restaurants, retailers, salons, spas, golf courses, wineries, hotels, franchises, and convenience stores that want gift card and loyalty programs. It may suit operators managing multiple locations or sales channels.
Plans and prices
Custom gift card program
Pricing depends on location count, channel mix and integration; low monthly program fee with unlimited transactions
Read 4 Oct 2026 · factor4giftcard.com
On the record
- Bulk issuance
- Businesses can issue cards in bulk by CSV with per-card values and activation dates, or deliver digital cards to a recipient list.factor4giftcard.com · read 4 Oct 2026
- Company
- The site identifies the company as Factor4, LLC and lists its address as 620 Parkway Drive, Suite 4, Broomall, Pennsylvania 19008.factor4giftcard.com · read 4 Oct 2026
- Compliance records
- The site says Factor4 provides card-level balances, activity dates, and dormancy reporting for merchants’ records and advisors.factor4giftcard.com · read 4 Oct 2026
- Developer API
- RewardOS is Factor4’s API, with Setup, Campaign, Transaction, and Reporting endpoint groups.factor4giftcard.com · read 4 Oct 2026
- Gift cards
- Physical gift cards and digital e-gift codes share one balance across channels, with partial redemption and reloads.factor4giftcard.com · read 4 Oct 2026
- Integrations
- The integration directory lists 197 connections across POS systems, terminals, gateways, processors, shopping carts, and other technologies, including Clover, Toast, Shopify, and Micros Simphony.factor4giftcard.com · read 4 Oct 2026
- Intended customers
- Factor4 describes its programs for businesses including restaurants, retailers, salons, spas, golf courses, wineries, hotels, franchises, and convenience stores.factor4giftcard.com · read 4 Oct 2026
- Loyalty
- Its loyalty programs support points, visits and spend tiers on the same account as gift card balances.factor4giftcard.com · read 4 Oct 2026
- Mobile app
- A merchant-branded app supports balance checks, transaction history, reloads, loyalty progress, and Apple Wallet or Google Wallet passes.factor4giftcard.com · read 4 Oct 2026
- Pricing
- Pricing depends on location count, channel mix, and integration; the site directs businesses to request a quote and describes a low monthly fee with unlimited transactions.factor4giftcard.com · read 4 Oct 2026
- Product
- Factor4 provides gift card and loyalty programs using a real-time stored value platform.factor4giftcard.com · read 4 Oct 2026
- Promotions
- The campaign tools support bonus value, discounts, BOGO offers, seasonal campaigns, and behavioral triggers.factor4giftcard.com · read 4 Oct 2026
- Storefront
- Factor4 offers a hosted branded storefront for gift card purchases, with e-gift delivery by email or SMS on a scheduled date.factor4giftcard.com · read 4 Oct 2026
- Support
- Support is available seven days a week; published hours are Monday–Thursday 6:30am–8:00pm EST, Friday 6:30am–7:00pm EST, Saturday 8:30am–2:30pm EST, and Sunday 10:00am–3:00pm EST.factor4giftcard.com · read 4 Oct 2026
- Virtual terminal
- The browser-based Virtual Terminal can issue and redeem cards from a computer without POS hardware.factor4giftcard.com · read 4 Oct 2026
