Factor4
Factor4 provides omnichannel gift card and loyalty program solutions for SMBs and enterprise merchants via its proprietary RewardOS platform, with 125+ integrations across POS systems, payment terminals, and ISOs. The Broomall, PA-based company serves restaurants, retail, fitness, salons, entertainment, and municipal governments across the US, UK, and Ireland.
- Company typePrivate
- Founded2016
- HeadquartersBroomall, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Factor4 does
Factor4, LLC is a Broomall, Pennsylvania-based provider of omnichannel gift card and loyalty program solutions serving both small-to-mid-sized businesses and Fortune 500 enterprises. The company was founded in 2015-2016 by payment industry veterans Jim Battista, Craig Davis, and Dan Battista after acquiring the gift card book of business (11,000+ customers) and software platform from SparkBase. Its core product is the RewardOS platform, a vertically integrated technology stack that securely processes stored-value gift card and loyalty transactions in real time at the point of sale across in-store, online, and mobile channels. The platform exposes Setup, Campaign, Transaction, and Reporting APIs and is integrated with more than 125 POS systems, payment terminals, and gateways including Clover, Shopify, Oracle Simphony, Toast, Verifone, NEXGO, Ingenico, Dejavoo, PAX, and Poynt. Supporting products include a white-label mobile gift card app, an online storefront solution, a self-serve kiosk for high-volume merchants and events, a Community Gift Card Program for municipalities, and physical gift card design and fulfillment services.
Factor4 generates revenue through a combination of low monthly subscription fees with unlimited transactions, transaction-based processing fees (e.g., 3.5% + $0.50 per issuance through partners such as Payments Hub), online storefront subscriptions, and ancillary fees for gift card design, plastic fulfillment, accessories, and eGift fulfillment. Pricing is primarily quote-based and varies by merchant size and requirements. The go-to-market motion is channel-led: the company sells through ISOs, ISVs, VARs, payment processors, and POS marketplace listings (Clover App Market, Oracle Cloud Marketplace, Poynt Apps Marketplace, Epos Now App Marketplace), supplemented by direct-to-merchant sign-up via its website. Customer segments span hospitality and restaurants, retail, salons and personal services, fitness, entertainment, pet services, golf and specialty retail, and municipal government community stimulus programs; named customers include Two Stones Pub, Club Champion, Fantastic Sams, Stretch Zone, City of Edinburg TX, City of West Fargo, Lily Flanagan's Restaurant Group, and Majestic Neighborhood Cinema Grill.
The company is privately held by its managing partners, has no disclosed venture capital or private equity backing, and operates with 11-50 employees. Factor4 expanded its headquarters in February 2025 to support growth, launched a self-serve kiosk product in October 2025, appointed Steve Levely as a strategic advisor, and in early 2026 announced a series of distribution and integration partnerships (Oracle Cloud Marketplace/Simphony, PixlPay, Epos Now, Stackably, Basil POS), positioning the business for continued scale-up of its partner-led distribution model.
Factor4 firmographics
Firmographics- Name
- Factor4
- Legal name
- Factor4, LLC.
- Website
- https://factor4gift.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Factor4 provides omnichannel gift card and loyalty program solutions for SMBs and enterprise merchants via its proprietary RewardOS platform, with 125+ integrations across POS systems, payment terminals, and ISOs. The Broomall, PA-based company serves restaurants, retail, fitness, salons, entertainment, and municipal governments across the US, UK, and Ireland.
- Ownership category
- akta.pro rank
Factor4 industry classification
Industry- Product category
- Gift Card and Loyalty Software
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Rewards, Incentives & Gift Card Program Services (MPAAAIAG)
- akta.pro secondary industry
- Loyalty, Points Currency & Stored Value Payments (THALAHAK)
Keywords
Where Factor4 is headquartered
LocationHeadquarters
- HQ city
- Broomall
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Factor4 business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Gift Card Processing Fees: Transaction-based fees for processing gift card and loyalty transactions at point-of-sale. The platform processes stored value cards to recognize and reward consumer behavior.
- Monthly Program Fees: Low monthly program fee for merchants subscribing to Factor4's gift card platform. Provides unlimited transactions with no per-transaction fees.
- Gift Card Fulfillment Services: Design, production, implementation, and distribution of pre-designed and custom gift cards. Includes plastic card fulfillment, eGift card options, and ancillary marketing products.
- Online Storefront Services: Customizable and standard online gift card storefront solutions enabling merchants to sell gift cards through their websites. Factor4 handles all plastic card fulfillment.
- Payment Processing Integration Fees: Processing fees of 3.5% plus $0.50 per gift card issuance for certain integration partners like Payments Hub.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard gift card processing with unlimited transactions |
| Transaction based/ take rate | Pay-as-you-go | Payments Hub integration pricing |
| Subscription | Monthly | Clover POS integration |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels6 records
Factor4 product offering
Product offeringCore offering
Factor4 provides an omnichannel gift card and loyalty program platform built on its proprietary RewardOS technology. The platform enables merchants to sell, redeem, and manage gift cards and loyalty programs in real-time at the point-of-sale across in-store, online, and mobile channels. Supporting offerings include physical and digital gift card fulfillment, a white-label mobile app, online storefronts, self-serve kiosks, virtual terminals, and a conversion service for switching from competitor platforms.
Product overview
Factor4 provides a vertically integrated omnichannel gift card and loyalty platform consisting of a core platform (RewardOS API) with multiple integrated products and modules. The core offerings include Gift Cards and Loyalty Cards as the primary products, with E-Gift Cards (digital) for online sales. Supporting modules include a White Label Mobile Gift Card App for iOS/Android, Online Gift Card Solution (website storefront), Self-Serve Kiosk for events and high-volume merchants, Virtual Terminal (My Web Terminal), reporting portals (My Program Admin, My Merchant Admin), and Get Your Balance for customer balance checks. The platform also supports Community Gift Card Programs for municipalities. Factor4's competitive advantage is its real-time stored value processing at point-of-sale with over 125 integrations with POS providers, payment terminals, and gateways. The platform operates without competing with partners, allowing ISOs and merchants to create gift card and loyalty programs that increase sales and reduce customer attrition.
Differentiator
Problem solved
Functional benefit
Products and services
- Gift Cards Customizable closed-loop stored value cards that increase ticket lift at point-of-sale and work as loyalty cards, allowing merchants to run two programs on one card. Supports physical and digital formats with omnichannel redemption across in-store, online, and mobile channels. Designed for merchants of all sizes.
- Loyalty Cards Customizable loyalty programs that increase foot traffic and customer engagement by rewarding repeat purchases. Programs enable merchants to monetize and track customer behavior at point-of-sale while capturing valuable customer data. Targeted at merchants seeking customer retention solutions.
- E-Gift Cards Digital gift cards representing the fastest growing segment of the gift card market. Enables merchants to deploy sophisticated digital gift card programs quickly with email delivery of PDF gift cards to recipients.
- Gift Card Mobile App Contactless gift and loyalty processing application for iOS and Android devices. Allows merchants to run gift card and loyalty transactions with custom barcode readers, wireless printer support, and email receipts. White-label version available branded with merchant's logo and colors.
- Online Gift Card Solution Online storefront for selling physical and digital gift cards directly from merchant websites. Includes Custom (fully branded matching existing site) and Standard options. Handles plastic card fulfillment for merchants.
- RewardOS API Proprietary API platform enabling real-time gift card and loyalty transaction processing. Includes Setup APIs, Campaign APIs, Transaction APIs, and Reporting APIs for integration with POS systems, websites, terminals, and tablets. Designed for technology partners and developers.
- Community Gift Card Programs Omnichannel community gift card programs for cities and counties to stimulate local economies. Supports plastic cards, eGift cards, or both with web portal management, contactless payments, and comprehensive program administration. Targeted at municipalities and government programs.
- Self-Serve Kiosk Customizable self-serve kiosk solution for large events and high-volume merchants. Enables customers to purchase and check gift card balances without staff assistance. Supports bulk purchasing, branded cards, and multiple payment options.
- My Web Terminal (Virtual Terminal) Virtual terminal for running gift/loyalty card transactions. Supports email and SMS functionality for sending gift cards. Web-based access for merchants to process transactions from any browser.
- Self-Serve Kiosk (launched October 2025) Customizable self-serve kiosk solution for large events and high-volume merchants enabling bulk gift card purchasing, balance checks, and omnichannel redemption without staff assistance. Supports branded cards, multiple payment options, and deployment in stadiums, hotels, and retail locations.
- Gift Card Accessories and Design Custom card design, point-of-purchase signage, display racks, window decals, gift card holders, and custom packaging. Includes over 500,000 stocked cards with 24-48 hour rush production options for merchants seeking complete gift card presentation solutions.
- Design Your Own Card Online tool enabling merchants to design their own gift and loyalty cards. Offers 70+ pre-designed card designs along with fully custom design options for merchants wanting self-service card creation.
- Gift Card Conversion Service Service enabling merchants to seamlessly convert existing provider gift cards to Factor4's system without interrupting merchant or customer operations. Supports over 100 partner integrations, handling card testing, liability reporting, and bulk import of active cards.
- My Program Admin Merchant reporting portal for viewing daily transactions, outstanding cards with balances, and running various reports on gift card and loyalty program performance.
Quantifiable outcome
- 65% of Gift Card recipients spend 38% more than the value of the Gift Card
- +3 more outcomes
Companies that use Factor4
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles4 records
Factor4 technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration60 records
Feature8 records
Factor4 partnerships and signals
Strategic signalPartnerships
18 partnerships are on record, tiered core and minor.
- OraclecoreFactor4 Gift Cards application is now available on Oracle Cloud Marketplace and can be deployed on Oracle Simphony POS. The software-based solution enables businesses to sell, redeem, and manage gift cards in real time without requiring additional hardware or terminals. The integration provides centralized reporting and is positioned as an embedded experience.
- PixlPaycorePixlPay, an Arkansas-based payment processing and point of sale solutions provider, partnered with Factor4 to provide advanced gift card and loyalty technology to merchants across the United States. PixlPay merchants gain access to Factor4's omnichannel gift card platform enabling sales and redemption in-store, online, and through mobile channels.
- Epos NowcoreIntegration partnership with Epos Now POS provider enables merchants to manage gift card sales and redemptions through Epos Now's platform. The integration enhances real-time tracking, multi-channel service, and customer loyalty efforts for merchants in retail and hospitality.
- StackablycorePartnership integrates Factor4's gift card platform into Stackably's POS ecosystem, supporting various business types to streamline gift card sales and management. Enables real-time balance tracking, branded gift cards, and management from the POS.
- Basil POScorePartnership integrates Factor4's gift card platform into Basil's POS system, targeting the restaurant industry. Allows restaurants and retailers to easily launch and manage gift card programs, helping increase revenue and customer engagement.
- Oracle Micros SimphonycoreDirect POS integration enables effortless gift card sales, redemption, and tracking for hospitality and retail businesses using Oracle's industry-leading Micros Simphony point-of-sale system.
- InCommcoreFull integration with InComm, a global leader in innovative payment technologies. Empowers businesses to enhance brand visibility and drive revenue growth through seamless, scalable gift card offerings both in-store and online.
- Whittle GroupcoreExpanded partnership with Whittle Group offering enhanced gift card solutions across multiple Ingenico payment terminals. Strategic collaboration proven successful over prior period.
- ShopifycoreIntegration enables Shopify customers to sell and accept physical and digital gift cards in-store and online. Empowers merchants to offer omnichannel gift card solutions through Shopify's e-commerce/POS platform.
- ClovercoreFully integrated with Clover POS. Gift Card and Loyalty Apps available in the Clover App Market with no transaction fees, unlimited transactions, and low monthly program fees.
- NEXGOcoreFactor4's gift and loyalty platform fully integrated with NEXGO's N82, N96 and N6S payment devices. Expanded partnership supporting multiple NEXGO devices.
- VerifonecoreFactor4 Gift Card application available on Verifone Engage terminals, elevating consumer experience via omnichannel gift card and loyalty application.
- North American BancardcorePartnership helps merchants capitalize on the growing rate of gift card adoption. North American Bancard is a progressive payment technology company providing omnichannel solutions to businesses of all sizes.
- ClearentminorPartnership provides Clearent's small-to-medium sized business customers with omnichannel gift card and loyalty solutions.
- ToastcoreFactor4's integration with Toast POS enables merchants to access gift card and loyalty solutions through Toast's restaurant-focused POS platform.
- PoyntcoreGift Card and Loyalty App available in Poynt Apps Marketplace, expanded into UK and Ireland markets.
- JR Language Translation ServicesminorTranslation services partnership assists ISO and Agent partners with merchants abroad as well as U.S. based merchants who have limited English proficiency. Services available for over 100 languages.
- Stretch ZonecoreGift cards available in all 200+ Stretch Zone locations. Leading practitioner-assisted stretching model partnered for gift card and loyalty program.
Scale indicators12 records
Recent moves7 records
Expansion highlights6 records
Factor4 competitors and assessment
Company assessmentDirect peers
- Givex: Givex is a Toronto-based gift card, loyalty, and stored value technology platform serving restaurants and retail globally. It is the closest direct competitor to Factor4, offering omnichannel closed-loop gift card programs, POS integrations, and loyalty software to SMB and mid-market merchants.
- Stored Value Solutions (SVS): SVS, part of The OLB Group, provides closed-loop gift card programs and processing for restaurants and retailers. It competes head-to-head with Factor4 in restaurant and multi-location retail gift card program management, including card fulfillment and program administration.
- Paytronix: Paytronix is a restaurant loyalty, gift card, and online ordering platform serving multi-unit restaurant brands. It is a direct competitor in the restaurant-focused gift card and loyalty technology space, particularly for enterprise and franchise accounts that Factor4 also targets.
- Como (Como Sense): Como provides a customer engagement and loyalty platform aimed at SMB and mid-market brick-and-mortar businesses, including gift card and stamp-card style programs. It overlaps with Factor4's SMB segment and competes for the same ISO and small merchant reseller channels.
- Yotpo: Yotpo is a commerce marketing platform offering loyalty, reviews, SMS, and subscriptions primarily for Shopify and other e-commerce merchants. It is a direct competitor in the loyalty/rewards software layer and increasingly overlaps with gift card functionality in the SMB-to-mid-market segment.
Broad incumbents
- Blackhawk Network: Blackhawk Network is a large, established gift card network and processor with both open-loop (Visa/Mastercard gift cards in retail) and closed-loop B2B gift card program services. It is a much larger incumbent that competes with Factor4 for merchant gift card programs and partnerships with payment processors.
- InComm Payments: InComm is a global prepaid and payments technology company that Factor4 partners with and competes against in gift card processing and program services. As a broad incumbent with deeper capital and broader merchant relationships, it competes for enterprise-level closed-loop programs.
- TouchBistro: TouchBistro is a restaurant POS platform with built-in gift card and loyalty features. As an iPad-based POS incumbent in the restaurant segment, it competes with Factor4 by offering natively bundled gift card/loyalty functionality to the same SMB restaurant customers Factor4 targets via channel partners.
- SpotOn: SpotOn is a restaurant and retail software platform offering POS, payments, gift cards, and loyalty as a unified bundle. Its all-in-one offering competes with Factor4's best-of-breed gift card platform for the same restaurant and SMB retail merchant base, often through ISO/channel partner relationships.
- Toast: Toast is a leading restaurant POS platform that also offers native gift card and loyalty products while simultaneously serving as a distribution partner for Factor4 via its marketplace. As a broad incumbent, Toast's first-party gift card program directly competes with Factor4 for the same restaurant merchant wallet share.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Factor4 social profiles
Digital presenceFactor4 financial estimates
Financial estimateRevenue estimate
Valuation estimate
Factor4 leadership team
Management profileNumber of profiles
Profiles9 records
Factor4 funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Factor4 M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Factor4
What does Factor4 do?
Factor4 provides an omnichannel gift card and loyalty program platform built on its proprietary RewardOS technology. The platform enables merchants to sell, redeem, and manage gift cards and loyalty programs in real-time at the point-of-sale across in-store, online, and mobile channels. Supporting offerings include physical and digital gift card fulfillment, a white-label mobile app, online storefronts, self-serve kiosks, virtual terminals, and a conversion service for switching from competitor platforms.
Is Factor4 a public or private company?
Factor4 is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Factor4 founded?
Factor4 was founded in 2016. It employs 11 to 50 people.
Where is Factor4 based?
Factor4 is headquartered in Broomall, United States, in the North America region.
How does Factor4 make money?
Five revenue lines are on record. Gift Card Processing Fees are the primary driver. The others are monthly Program Fees, gift Card Fulfillment Services, online Storefront Services and payment Processing Integration Fees.
Who are Factor4's main competitors?
Direct peers on record are Givex, Stored Value Solutions (SVS), Paytronix, Como (Como Sense) and Yotpo. Broad incumbents are Blackhawk Network, InComm Payments, TouchBistro, SpotOn and Toast.
Does Factor4 have an API?
Yes. Factor4 offers RewardOS™ API, a platform that enables partners and merchants to integrate gift card and loyalty solutions. The API includes Setup APIs for partner/business onboarding, Campaign APIs for processing stored value cards and recognizing consumer behavior, Transaction APIs for integration via website, terminal, tablet, or fully integrated POS, and Reporting APIs for comprehensive transactional data extraction. The API is described as providing real-time processing, point-of-sale integration, and omnichannel capability. Developer documentation is at www.factor4gift.com/#RewardAPI.
What industry is Factor4 in?
Factor4's product category is Gift Card and Loyalty Software. Its primary akta.pro industry code is MPAAAIAG, Rewards, Incentives & Gift Card Program Services, with a secondary code of THALAHAK, Loyalty, Points Currency & Stored Value Payments. Its NAICS code is 5223 and its SIC code is 6159.