Secucard
Secucard is a German cloud-based loyalty and voucher management platform, offered as the loyalty division of secupay AG, that serves SMB retailers, city card programs, and employers with gift cards, loyalty programs, and Sachbezug employee benefit vouchers integrated to POS and e-commerce systems.
- Company typePrivate
- Founded2000
- HeadquartersPulsnitz, Germany
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Secucard does
Secucard is a German loyalty and voucher management platform, operating as the loyalty division of secupay AG, an owner-managed, BaFin-licensed payment institution headquartered in Pulsnitz, Saxony, and founded in 2000. The company provides a cloud-based product suite covering digital gift cards and coupons, physical gift cards in credit card format, multi-merchant city and center card programs, customer loyalty cards with a "comeback guarantee" (bonus redeemable only on the next purchase), and tax-compliant employee benefit vouchers (Sachbezug) under the German 50 EUR/month non-cash benefit framework. The technical stack centers on the secuOffice merchant portal (real-time card, customer, and transaction management with dashboard analytics), the secuAction direct marketing tool (segmented, automated customer communication), and the secuconnect integration platform with open-source SDKs for POS and e-commerce systems. Acceptance is enabled through a software load (secubase) on Ingenico EC-terminals, ZVT-based POS integration, and shop modules for Shopware and Magento, allowing merchants to deploy the system without additional hardware.
The business model is primarily transaction-fee based: merchants pay per voucher, loyalty, or payment transaction processed, with no monthly fees and no minimum contract term disclosed. Revenue streams include voucher/loyalty transaction fees, Sachbezug program administration, and cross-sell into the parent secupay AG payment processing and card balance clearing services. The customer base spans city management organizations and retail associations (multi-merchant voucher networks), stationary retail and hospitality SMBs, German employers offering Sachbezug benefits, and B2B buyers of corporate gifting and employee reward cards. Notable end-customer programs include the DresdenLieblingsort and Pirna-Gutschein city card initiatives launched during the 2020 COVID-19 lockdown. Distribution combines self-service sign-up (PLG), free consultation sales, and direct sales for enterprise-grade city card and employee benefit implementations, supported by organic social, paid search, and a German-language web presence. The platform is GDPR-compliant, holds no patents in the disclosed record set, and is not separately listed; secucard GmbH operates as a wholly-owned subsidiary of secupay AG.
Secucard firmographics
Firmographics- Name
- Secucard
- Legal name
- secupay AG
- Website
- https://secucard.com
- Company type
- Private
- Founded year
- 2000
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Secucard is a German cloud-based loyalty and voucher management platform, offered as the loyalty division of secupay AG, that serves SMB retailers, city card programs, and employers with gift cards, loyalty programs, and Sachbezug employee benefit vouchers integrated to POS and e-commerce systems.
- Ownership category
- akta.pro rank
Secucard industry classification
Industry- Product category
- Loyalty Management Software
- NAICS
- Credit Card Issuing (52221)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Price Comparison, Deals, Cashback & Loyalty Shopping Platforms (BPAMAGAH)
- akta.pro secondary industry
- Digital Goods & Gift Card Generalist Marketplaces (CRAFAAAJ)
Keywords
Where Secucard is headquartered
LocationHeadquarters
- HQ city
- Pulsnitz
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
Secucard business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure, Others
Revenue model
- Voucher and Loyalty Card Transaction Fees: Merchants pay fees for processing gift cards, coupons, and loyalty card transactions through the secucard platform at point of sale and online.
- Sachbezug (Employee Benefit) Voucher Services: Revenue from employer-sponsored employee benefit voucher programs, including card administration and loading fees.
- secupay Payment Integration: Secucard is the loyalty division of secupay AG, providing cross-selling opportunities for payment processing services including clearing of card balances in retail and merchant networks.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | No monthly fee structure with free consultation |
| Freemium | Monthly | Free consultation for all customers |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels8 records
Secucard product offering
Product offeringCore offering
Secucard provides a cloud-based loyalty and voucher management platform that enables German merchants to issue, sell, and redeem digital and physical gift cards, customer loyalty cards with bonus-on-next-visit mechanics, multi-partner city/center cards, coupons, and tax-compliant employee benefit (Sachbezug) vouchers. The platform integrates directly with EC-terminals, modern POS/cash register systems, and e-commerce shops (Shopware, Magento) without requiring additional hardware, and is supported by a merchant portal (secuOffice) and a direct marketing tool (secuAction).
Product overview
secucard is a loyalty and voucher management platform offered by secupay AG. The portfolio consists of core products including digital gift cards and coupons, physical gift cards in credit card format, multi-partner city/center cards, customer loyalty cards with comeback guarantee, and employee benefit vouchers. These are supported by the secuOffice merchant portal platform (for real-time data management and reporting) and secuAction direct marketing tool (for targeted customer communication). Additional modules include secubase (terminal software for Ingenico terminals), Smart Checkout (online voucher shop), secuconnect (integration platform), Teamcard50 (employee card), Invoice+ (POS invoice purchasing), Refund+ (refund-to-card functionality), and balance inquiry services. The system integrates with POS terminals, cash register systems, and e-commerce platforms (Shopware, Magento) and is available without monthly fees or minimum contract terms.
Differentiator
Problem solved
Functional benefit
Brands
- secuAction: Integrated direct marketing tool for customer communication, coupon distribution, and targeted marketing campaigns.
- secuOffice
- secucard
- secuconnect
- Smart Checkout
- secubase
Products and services
- Digitale Gutscheine & Coupons (Digital Gift Cards & Coupons) Digital gift cards and promotional coupons for merchants, sold online via Smart Checkout without the merchant needing their own webshop, with automated email delivery and round-the-clock availability.
- Gutscheine im Scheckkartenformat (Gift Cards in Credit Card Format) Physical gift cards in credit card format with custom business design, configurable balance, partial redemption capability, and fraud-resistant technology, managed through the secuOffice portal.
- City- und Centercards (City and Center Cards) Multi-partner voucher system for merchant networks enabling local shopping vouchers to be issued and redeemed across participating businesses, with online sales via Smart Checkout and automated clearing.
- Kundenkarten mit Comeback-Garantie (Customer Loyalty Cards with Comeback Guarantee) Loyalty card system with customer bonus that can only be redeemed on the next visit, incentivizing repeat visits, with revenue bonus, reward points, and prepaid-with-bonus functions.
- Sachbezugs-Gutscheine (Employee Benefit Vouchers) Employee benefit vouchers compliant with German tax regulations (up to EUR 50 monthly tax-free limit), usable in limited acceptance networks as defined by the ZAG.
- Smart Checkout Online voucher shop solution integrable via HTML, JavaScript, or API call, enabling 24/7 online voucher sales with automated email or postal delivery through the merchant's own website.
- Teamcard50 Employee card in the form of a rechargeable gift card serving as an employee retention instrument and simplifying payroll accounting of non-cash benefits (Sachbezug).
- Invoice+ Invoice purchase functionality at point of sale, allowing customers to buy on account with amounts consolidated into a single invoice and collected by direct debit at configured intervals.
- Refund+ Refund functionality that credits customer refunds from goodwill returns onto a card, keeping the revenue in-store for redemption on the next purchase (Comeback-Garantie).
- secuOffice (Merchant Portal) Online merchant portal for managing all customer, card, and transaction data in real time, 24/7, with dashboard views of key metrics, transaction overviews, and data export capabilities.
- secuAction (Direct Marketing Tool) Direct marketing tool integrated into secuOffice for customer communication, enabling individual customer outreach, sending vouchers and coupons, and informing about product launches and bonus campaigns.
- Guthabenabfrage (Balance Inquiry) Balance inquiry service allowing customers to check their voucher card balance or point status using the 16-digit card number and Card Security Code (CSC).
Quantifiable outcome
- No hardware investment required for merchants
- +4 more outcomes
Companies that use Secucard
Customer profileNamed customers2 records
Segments4 records
Ideal customer profiles4 records
Secucard technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability2 records
Feature10 records
Secucard partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- secupay AGcoresecucard is the loyalty division of secupay AG, Germany's largest owner-managed BaFin-licensed payment institution. Founded in 2000 as an EC-terminal provider, secupay evolved into a specialist for tailored payment and loyalty solutions. Secucard customers benefit from optimized payment processes and card balance clearing services.
- IngenicocoreIngenico is the EC-terminal partner whose hardware supports the secubase software application, enabling merchants to accept secucard products at point of sale.
- Webhaus GroupminorThe secucard website is part of the Webhaus Group, which also includes secupay AG. Recruitment processes are handled by secupay AG for all group companies.
Scale indicators2 records
Recent moves6 records
Expansion highlights5 records
Secucard competitors and assessment
Company assessmentBroad incumbents
- Toast: Toast is a US restaurant POS platform with native gift card, loyalty, and online ordering functionality; while US-focused, it is comparable to secucard's hospitality vertical and POS-integrated voucher/loyalty offering as a feature-rich incumbent in the broader restaurant technology stack.
- Lightspeed Commerce: Lightspeed provides cloud POS systems for retail and hospitality with integrated gift card and loyalty modules; it overlaps with secucard's POS-integrated loyalty value proposition for the same SMB merchant buyer, though it operates as a broader commerce platform.
- SumUp: SumUp is a leading European SMB POS and payment processor with built-in gift card and basic loyalty functionality; it competes for the same German SMB merchant relationships and offers broader payment services, making it a broader incumbent in secucard's core segment.
- Square (Block): Square (Block) offers SMB POS hardware, payment processing, and integrated gift card/loyalty tools through its seller ecosystem; it is a broad incumbent competing with secucard's integrated payment-plus-loyalty bundle for SMB merchants globally.
Direct peers
- Givex: Givex is a gift card, loyalty, and stored-value technology provider serving retail and hospitality merchants globally; it is directly comparable to secucard's cloud-based gift card issuance, POS integration, and loyalty management offering for SMB and mid-market retailers.
- Payback: Payback is Germany's largest multi-merchant loyalty program, partnering with retail chains and local merchants to issue points-collecting cards; it directly competes with secucard's city/center card networks and stationary retail loyalty segment in the same DACH market.
- DeutschlandCard: DeutschlandCard is a German multi-merchant loyalty card accepted across retail, gas stations, and online shops; it competes head-to-head with secucard's multi-merchant gift card and customer loyalty programs for the same stationary retail and city-network customer base.
Emerging players
- LoyaltyLion: LoyaltyLion is a SaaS loyalty and rewards platform built for Shopify and other e-commerce platforms, focused on points programs and customer retention; it overlaps with secucard's customer loyalty card and bonus/comeback-garantie mechanics for online and omnichannel merchants.
- Yotpo: Yotpo provides e-commerce loyalty, reviews, and SMS marketing modules that integrate with Shopify, BigCommerce, and similar platforms; it competes with secucard's e-commerce loyalty offering (Shopware/Magento modules) and represents a venture-backed emerging player in the loyalty space.
- Smile.io: Smile.io provides points, referral, and VIP loyalty programs for Shopify/WooCommerce/BigCommerce merchants; it competes with secucard's loyalty card product for e-commerce merchants and represents an emerging player in the same merchant retention category.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Secucard social profiles
Digital presenceSecucard compliance and trust
Trust signalCompliance1 record
Secucard financial estimates
Financial estimateRevenue estimate
Valuation estimate
Secucard leadership team
Management profileNumber of profiles
Profiles4 records
Secucard subsidiaries and ownership
Company hierarchySubsidiaries1 record
Secucard funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Secucard 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 Secucard
What does Secucard do?
Secucard provides a cloud-based loyalty and voucher management platform that enables German merchants to issue, sell, and redeem digital and physical gift cards, customer loyalty cards with bonus-on-next-visit mechanics, multi-partner city/center cards, coupons, and tax-compliant employee benefit (Sachbezug) vouchers. The platform integrates directly with EC-terminals, modern POS/cash register systems, and e-commerce shops (Shopware, Magento) without requiring additional hardware, and is supported by a merchant portal (secuOffice) and a direct marketing tool (secuAction).
Is Secucard a public or private company?
Secucard is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Secucard founded?
Secucard was founded in 2000. It employs 1 to 10 people.
Where is Secucard based?
Secucard is headquartered in Pulsnitz, Germany, in the Europe region.
How does Secucard make money?
Three revenue lines are on record. Voucher and Loyalty Card Transaction Fees are the primary driver. The others are sachbezug (Employee Benefit) Voucher Services and secupay Payment Integration.
Who are Secucard's main competitors?
Broad incumbents on record are Toast, Lightspeed Commerce, SumUp and Square (Block). Direct peers are Givex, Payback and DeutschlandCard. Emerging players are LoyaltyLion, Yotpo and Smile.io.
Does Secucard have an API?
Yes. secuconnect is the integration platform enabling all secucard products to be integrated into modern POS systems. The SDK (Software Development Kit) is available as open-source software for easy integration into online shops. Smart Checkout can be integrated via HTML, JavaScript, or API call. Developer documentation is at secucard.com/kartenakzeptanz.
What industry is Secucard in?
Secucard's product category is Loyalty Management Software. Its primary akta.pro industry code is BPAMAGAH, Price Comparison, Deals, Cashback & Loyalty Shopping Platforms, with a secondary code of CRAFAAAJ, Digital Goods & Gift Card Generalist Marketplaces. Its NAICS code is 52221 and its SIC code is 6141.