Wallet-first loyalty cards for local businesses

A loyalty experience that lives where customers already keep tickets, passes, and cards.

Summa loyalty cards live in Apple Wallet and Google Wallet — on every iPhone and Android, without an app, without a signup. Customers see their stamp progress right from the lock screen. You set everything up in five minutes.

Start free 30-day trial See how it works

No app download · Apple Wallet & Google Wallet · No customer signup

Why wallet outperforms an app for local loyalty

Your own loyalty app sounds like a premium move. For most small businesses, it isn't.

Only 12% of smartphone users with loyalty memberships have ever downloaded a loyalty app — the rest found the effort not worth it for a local café or bakery.

Bond Brand Loyalty

The wallet is fundamentally different. Apple Wallet and Google Wallet come pre-installed on every iPhone and Android. Nobody downloads anything for Summa. Customers who already use their wallet for boarding passes, gym passes, and event tickets understand the format immediately. Your loyalty card simply fits in.

There's also a distribution advantage no app can replicate: a wallet pass stays visible. It doesn't disappear into a browser history, it doesn't require a password, and it lives exactly where customers look multiple times a day. That creates passive presence — and passive presence drives return visits.

Loyalty program without an app — how it works

What customers experience with their wallet card

With a single tap on "Add to Wallet," the Summa card lands in Apple Wallet or Google Wallet. From that moment on, no link, no browser, no searching.

  • Stamp progress always visible — not just after scanning, but anytime they open their wallet
  • Lock screen integration — the card can appear on the lock screen without unlocking the phone
  • Real-time updates — every new stamp appears on the card automatically and immediately
  • Offline access — the card is fully readable without a mobile or Wi-Fi connection
  • No login — open with a tap, no password, no friction

Apple Wallet comes pre-installed on every iPhone. Google Wallet is the standard on Android. Summa automatically generates the right format for each device — you don't have to manage that.

Set up in five minutes — stamp from minute six

For you as a merchant

You create a program: card name, your reward (e.g. "1 free coffee"), how many stamps to earn it. Summa automatically generates the wallet pass template, the counter QR code, and your dashboard.

No staff training needed. They open the scan page on their phone, tap "Add stamp," and point the camera at the customer's QR code. The stamp appears immediately. That's it.

For your customers

  1. First visit: scan the QR at the counter

  2. The card opens in the browser — no signup, no app

  3. Tap "Add to Wallet" — card saved

  4. Every subsequent visit: show the wallet card and get stamped

All stamping methods in detail

Where the wallet advantage is strongest

  • Café and coffee bar Daily or near-daily visits. The wallet card lives on the lock screen — visible every time the customer picks up their phone. With every coffee, the pull to come back sooner grows. No other medium delivers this kind of passive frequency.
  • Bakery The morning routine is the ideal context for wallet passes. The customer sees their card when they reach for their phone to pay or check the time — no searching. Stamps accumulate fast: daily visitors fill a card in two weeks.
  • Restaurant Two to four weeks pass between visits. A paper card is long forgotten — a wallet card is not. It keeps the connection alive passively, without newsletters. When a guest next thinks about where to eat, the card is already there.
  • Hair salon and beauty studio Visits every four to six weeks. At that interval, 39% of paper cards are lost (Statista). The wallet card is exactly where the customer left it a month ago — with the correct stamp count intact.
  • Retail and specialty shop Seasonal purchase patterns need programs with patience. The wallet card bridges the gap between seasons — visible, effortless, free. When the next season begins, the regular customer still has every stamp they earned.
Loyalty software for local businesses — full overview

Stamps update instantly — cards survive phone changes

Real-time updates

When you add a stamp, it appears on the customer's wallet pass immediately — even if the wallet app is closed. No page refresh, no manual sync. The wallet pulls the latest data automatically.

If you later change the card design — color, icon, reward text — the pass updates for all customers who have it saved in their wallet. Automatically.

Card lost — card recovered

A customer gets a new phone. For a paper card, that's the end. For a Summa card, it isn't.

Customers who've added their email address can restore their card in one click — including all accumulated stamp progress, on their new device, in their new wallet. Nothing is ever lost.

Customers without an email can't restore their card — the same limitation as a lost paper card. But because the card is digital, it happens far less often: it lives in the wallet, not in a jacket pocket.

Frequently asked questions

Do customers need an iPhone?

No. Summa supports Apple Wallet on iPhone and Google Wallet on Android. Customers who prefer not to use a wallet app can open the card in the browser just as easily — the link is always available. No customer is excluded.

Do customers have to save the card to the wallet?

No. The card works fine in the browser without the wallet. Saving to the wallet is an optional step that makes the card more persistent and accessible. In practice, most customers save it because it's more convenient.

How does stamping work once the card is in the wallet?

The same as always: you or your staff scan the QR code on the customer's wallet pass (or the customer taps their phone to the NFC tag). The new stamp appears on the pass immediately — no page refresh needed.

Can I change the card design after customers have saved it?

Yes. When you change the color, icon, or reward text, the wallet pass updates automatically for all customers who have it saved. No manual action required.

Do wallet passes work offline?

Yes. Customers can view and show their card without mobile data or Wi-Fi — including when redeeming a reward. Adding new stamps requires a brief connection, the same as processing a card payment.

What happens if a customer loses their phone?

Customers who've added their email address can restore their card at any time via email link — with full stamp progress intact. Customers without an email lose their progress. We recommend mentioning the optional email link to new customers for this reason.

I have multiple locations — does this work?

Yes. You can set up multiple locations under one account. Customers collect stamps across all locations on the same card. Each location has its own stamp source and individual stats in your dashboard.

What does Summa cost?

From €9 per month for up to 50 active cards. €19 for up to 200. €39 for up to 500. 30-day free trial — no credit card required, cancel anytime.

Ready to go wallet-first?

Create your first card and see in five minutes how it looks in Apple Wallet and Google Wallet. 30-day free trial. No contract. Cancel anytime.

Start free trial See how Summa works
  • No app for customers
  • Apple Wallet & Google Wallet
  • No customer signup required
  • Cancel anytime

Questions? Write to us: hello@summacard.com