Apple & Google Wallet · No app to install

The complete platform for digital wallet passes.

Wallet pass software for Apple Wallet and Google Wallet. Design branded passes, enroll by QR code, update every pass live.

Start free Book a demo

Free plan · No credit card required

Wallets: Apple and Google
Updates: Real time, with a lock-screen message

HHarbor CoffeeTierGold

265Points

MemberA. Demir

Reward in35 pts

Visits18

7K2Q9FMRDC

HHarbor Coffee

Member ID7K2Q9FMRDC

LocationsHarbour Street · Old Town · Station

How it worksEarn 25 points per visit. 300 points gets you a free drink.

Move the pointer over the pass to tilt it. Press Enter or Space to flip it, U to send a sample update, and the arrow keys to tilt.

11pass types, from loyalty to transit

2wallet platforms: Apple and Google

Freeto run a live program on Starter

0dedicated loyalty apps required

How it works

Launch a wallet program in three steps.

From a blank page to passes in your customers' wallets, without a developer.

See how it works

Wallets Apple + GoogleDeveloper Not neededStarter plan Free

Create
Design your pass in the guided designer. Pick colors, logo, fields and barcode with a live preview for both wallets.
Pass designer
Distribute
Publish a hosted enrollment page and print its QR code for the counter. Customers scan, fill a short form and add the pass to their wallet.
QR page
Update
Adjust points, offers or details and every installed pass updates in real time, with a message on the lock screen.
Live push

Step 1 of 3Create

Pass types · gallery designs

The same passes, in both wallets.

Switch between Apple and Google. Compare these gallery designs with the existing cards below.

One platform for every kind of pass.

Loyalty is the start. Pick any pass type to see it up close. Drag, swipe or use the arrows.

Merchants and members shown on these passes are samples. Each card shows a typical layout for its pass type. View all pass types

Live updates

Change it once. Every installed pass follows.

Balances, tiers, offers and event details push to Apple Wallet and Google Wallet from one console. Add a message and it appears on the lock screen.

Four kinds of change

Balances, status, timings and your own fields. Choose one on the wheel to see the lock-screen messages it sends.

Scan at the till with Stow Cards Merchant and apply the change in a few taps.
Send campaigns to all members or a segment.
Find any member by the short Member ID on their pass, or by name, email or phone number.

Features

Built for the counter, not just the dashboard.

Every scan at the till lands on the chart as it happens. Drag through a sample day to see how the rush builds.

See every feature

In-store scansToday

See the rush, hour by hour.

In-store scans by hour, shown in your own timezone, in the console and in the scanner app.

12:00Now

Scans so far this hour · 7

Lunchtime brings a second peak.

Time of day

A sample day of in-store scans in the merchant's timezone.

Run your program

Scan at the till. Reach members. Run every location.

Harbor Coffee

7K2Q9FMRDC

Scan a passQuayside

Hold the pass barcode up to the camera

Member IDFound

7K2Q9FMRDC

Points balance265

+25 points added

ScannerStow Cards Merchant

In-store scanner app

Scan the pass barcode at the till with Stow Cards Merchant. Look up members, add points and redeem rewards in seconds.

CampaignsLast 7 days

Campaigns and analytics

Send targeted pass updates and track sign-ups, retention and redemptions from one console.

Multi-location3 sites

Multi-location and roles

Run one program across every location, with role-based access for staff and managers.

Merchant console

Members, programs, campaigns and analytics in one place.

Add or import members, run campaigns, adjust points, and follow enrollment and scans across every location.

console.stow.cards/analytics

Stow CardsHomeMembersProgramsCampaignsAnalyticsLocations

Members2,184+8.2%

Active passes1,902+5.1%

Points issued61.2k+12.4%

New members · 7 days

Pass updates

MemberMember IDPointsWallets

Deniz Arslan7K2Q9FMRDC1,240Apple

Vera Koslow4MRD8CWXHT860Google

Integrations

Connect the tools you already use.

A REST API and signed webhooks sit behind the console, so your till, online shop or CRM can add members, award points and follow scans as they happen.

Till and checkout. Call the points API from each sale, or, with no code at all, scan the pass with Stow Cards Merchant.
Member lists. Import a CSV through the API, or upload it on the console’s Members page.
CRM and reports. Signed webhooks send new members, points changes, scans and Apple Wallet installs to your own tools. Without code, the console’s dashboard shows sign-ups, installs and scans.

See integration patterns Read the developer docs

# Add points to a member and push the update to their wallet
curl -X PATCH https://api.stow.cards/api/v1/merchants/me/members/MEMBER_UUID/points \
  -H "X-API-Key: $STOW_API_KEY" \
  -H "Idempotency-Key: 018f3c2e-9d41-7c3a-b5e6-2f8d5b6a7c3d" \
  -H "Content-Type: application/json" \
  -d '{ "delta": 25, "changeMessage": "Thanks for your purchase!" }'

# 200 OK (abridged)
{
  "success": true,
  "data": {
    "member": { "id": "MEMBER_UUID", "memberCode": "7K2Q9FMRDC" },
    "previous": 265,
    "current": 290,
    "passUpdate": { "apple": { "devicesNotified": 1 } }
  }
}

MEMBER_UUID is the id the API returns when you enroll a member or search for their Member ID. It is not the Member ID printed on the pass.

Who it’s for

Made for businesses with regulars.

Pick the pass that suits your trade. Every pass type is open to every business, so you can add another whenever you like.

Cafés and bakeries

Staff add a stamp with one tap at the till, the grid fills on the customer’s phone, and the last stamp unlocks the reward.

Digital stamp cards

Salons and barbers

Award points after every appointment and move regulars up a tier as their balance grows. Send a win-back offer to clients who haven’t visited in 60 days.

Digital loyalty cards

Gyms and studios

Put the membership in the wallet with its tier and renewal date, and scan the pass to check members in at the door.

Digital membership cards

Retail and boutiques

Sell gift cards at the till with the balance on the customer’s phone, and run points and member-only offers without a POS add-on.

Wallet gift cards

Restaurants and bars

Hand out offers by QR code with the expiry date on the pass, then send a new offer to the same passes. Staff check each one with a single scan.

Coupons and offers

Venues and events

Issue tickets with the seat and door time on the pass, check them with one scan at the door, and push a schedule change to every holder.

Digital event tickets

Pricing

Choose the operating model that fits.

Start on the free Starter plan with no credit card, or talk to us about your program. Paid pricing and plan limits, including the free plan’s, are being finalized.

Compare plans

Plan

StarterFree GrowthContact us ScaleContact us

Starter

For a single shop getting started.

Publish to Apple and Google Wallet
Hosted QR enrollment and live updates
Member management and the scanner app
No credit card required

PriceFree

Create a free account

Growth

Campaigns and API

For growing shops and small chains.

Published wallet passes
Member and program management
Campaigns and analytics
Scanner and REST API workflows

PriceContact us

Discuss your program

Scale

For brands with many locations.

Multi-location requirements
Staff roles and permissions
SSO and audit log
Integration and migration planning

PriceContact us

Book a demo

FAQ

Common questions.

No. There is no customer app to install: passes go straight into Apple Wallet on supported iPhones or Google Wallet on supported Android devices.

Yes. One program serves both platforms: iPhones get an Apple Wallet pass and Android phones get a Google Wallet pass, with the same branding and live updates.

No. Stow Cards runs beside the till you already use. Staff scan passes with the Stow Cards Merchant app on a phone or tablet, and you run points, tiers and member-only offers from the Stow Cards console. If you want your checkout to add points on its own, the REST API can do that.

Yes. Add locations under one merchant account and give staff role-based access. Members earn and redeem at any location on the same pass.

Yes. A REST API covers members, points, and pass updates, and it goes through the same gateway as the console. Money-like writes support an Idempotency-Key header, so retries never double-apply.

Traffic is TLS encrypted, every request is authenticated with scoped tokens, service-to-service calls are signed, and each merchant's data is tenant-scoped. Wallet signing credentials never leave the server. Read more on our security page.

From the blog

Guides for wallet loyalty.

All posts

Strategy

Loyalty card reward ideas: stamps, points or tiers

How to choose a reward structure, set a goal customers reach, and show their progress on the pass.

Oct 5, 2026 · 7 min read

Guides

How live pass updates work

What happens between adding points at the till and the new balance on a customer’s phone, in Apple Wallet and Google Wallet.

Sep 28, 2026 · 5 min read

Guides

How to add your loyalty card to Apple Wallet and Google Wallet

A shop owner’s guide: what customers see, why no app is needed, and five steps from design to the till.

Sep 28, 2026 · 8 min read

Put your brand in every wallet.

Try the designer without a credit card, or book a demo and we'll walk through your program.

Start free Book a demo

The complete platform for digital wallet passes.

Launch a wallet program in three steps.

Create

Distribute

Update

The same passes, in both wallets.

One platform for every kind of pass.

Change it once. Every installed pass follows.

Four kinds of change

Built for the counter, not just the dashboard.

See the rush, hour by hour.

Scan at the till. Reach members. Run every location.

In-store scanner app

Campaigns and analytics

Multi-location and roles

Members, programs, campaigns and analytics in one place.

Connect the tools you already use.

Made for businesses with regulars.

Cafés and bakeries

Salons and barbers

Gyms and studios

Retail and boutiques

Restaurants and bars

Venues and events

Choose the operating model that fits.

Starter

Growth

Scale

Common questions.

Do my customers need to install an app?

Does it work on both iPhone and Android?

Do I need a POS add-on?

Can I run one program across multiple locations?

Is there an API?

How is my data protected?

Guides for wallet loyalty.

Put your brand in every wallet.