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Factor4

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What Factor4 is

Factor4 provides gift card and loyalty programs on a real-time stored value platform. Physical cards and digital e-gift codes draw on a shared balance across channels, with partial redemption and reloads. Loyalty programs can track points, visits and spend tiers on the same account as gift card balances. A merchant-branded app supports balance checks, transaction history, reloads, loyalty progress and Apple Wallet or Google Wallet passes. Businesses can sell cards through a hosted branded storefront and schedule digital gift delivery by email or SMS. Campaign tools support bonus value, discounts, BOGO offers, seasonal campaigns and behavioral triggers. Bulk issuance is available through CSV files with per-card values and activation dates, or businesses can send digital cards to a recipient list. A browser-based Virtual Terminal can issue and redeem cards without POS hardware. RewardOS is the API, with Setup, Campaign, Transaction and Reporting endpoint groups. Factor4 lists 197 integrations, including Clover, Toast, Shopify and Micros Simphony. Pricing depends on location count, channel mix and integration; businesses are directed to request a quote. The company describes programs for restaurants, retailers, salons, spas, golf courses, wineries, hotels, franchises and convenience stores.

Who it suits

Factor4 is aimed at businesses such as restaurants, retailers, hotels and salons that want gift card and loyalty programs across sales channels. It may also suit multi-location businesses needing POS connections or bulk card issuance.

What it does well

Physical and digital cards share a balance across channels
Loyalty tracks points, visits and spend tiers
Virtual Terminal works without POS hardware
Bulk issuance supports CSV values and activation dates

What to know first

Pricing requires a quote
Pricing depends on location count, channel mix and integration
No fixed plan price is listed

Limits

Factor4 is paid, and its custom gift card program has no listed price. The program fee depends on location count, channel mix, and integration; the site describes a low monthly fee with unlimited transactions.

Plans

Plan	Billed and limits	Price
Custom gift card program	Pricing depends on location count, channel mix and integration; low monthly program fee with unlimited transactions	On request

As factor4giftcard.com lists them, read 4 Oct 2026. The maker's own page has the final word.

Getting started

Visit https://factor4giftcard.com/.
Request a quote based on location count, channel mix, and integration.
Choose the channels and card formats for your program.
Review the integration directory for relevant POS and commerce connections.
Use Factor4 on web, Android, iOS, or through its API.

Verdict

Factor4 combines gift cards, loyalty, promotional campaigns and multiple issuance channels, with an API and a broad integration directory. Businesses should request a quote because pricing varies by location count, channel mix and integration.

Questions

How much does Factor4 cost?

Pricing is provided on request and depends on location count, channel mix, and integration. The site describes a low monthly fee with unlimited transactions.

Does Factor4 support both physical and digital gift cards?

Yes. Physical cards and digital e-gift codes share a balance across channels, with partial redemption and reloads.

Which platforms does Factor4 support?

The listed platforms are Android, iOS, web, and API.

Which integrations are available?

Factor4’s integration directory lists 197 connections across POS systems, terminals, gateways, processors, shopping carts, and other technologies. Examples include Clover, Toast, Shopify, and Micros Simphony.

Who makes Factor4?

The company is identified as Factor4, LLC, with an address in Broomall, Pennsylvania, United States.

Can businesses use Factor4 without POS hardware?

Yes. Its browser-based Virtual Terminal can issue and redeem cards from a computer without POS hardware.

Facts from Factor4's own pages

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, 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, 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, 4 Oct 2026
Developer API: RewardOS is Factor4’s API, with Setup, Campaign, Transaction, and Reporting endpoint groups. · factor4giftcard.com, 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, 4 Oct 2026
Headquarters: Broomall, Pennsylvania, United States · factor4giftcard.com, 23 Sept 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, 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, 4 Oct 2026
Loyalty: Its loyalty programs support points, visits and spend tiers on the same account as gift card balances. · factor4giftcard.com, 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, 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, 4 Oct 2026
Product: Factor4 provides gift card and loyalty programs using a real-time stored value platform. · factor4giftcard.com, 4 Oct 2026
Promotions: The campaign tools support bonus value, discounts, BOGO offers, seasonal campaigns, and behavioral triggers. · factor4giftcard.com, 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, 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, 4 Oct 2026
Virtual terminal: The browser-based Virtual Terminal can issue and redeem cards from a computer without POS hardware. · factor4giftcard.com, 4 Oct 2026

Where Factor4 stands on Freedom251

Restaurant Gift Card Software#11 of 40