How much does a loyalty program cost for a small business?

Loyalty program software for small businesses typically costs $99/month for full-featured platforms. LoyaltyPass starts at $99/month (up to 500 members). Loopy Loyalty starts around $49/month. Square Loyalty costs $45/month as a POS add-on. Stamp Me starts around $30/month. Free tiers exist but cap members at 50-100 and remove push notifications.

Is there a free loyalty program for small businesses?

Most platforms offer free trials (14 days is standard) rather than permanently free plans. Platforms with free tiers usually cap active members at 50-100 and remove features like push notifications: the most valuable part of a digital loyalty program. For small businesses, a 14-day free trial with full features is more useful than a permanently-limited free plan.

What is the cheapest loyalty program software with wallet passes?

LoyaltyPass at $99/month is the lowest-cost full-featured platform with Apple Wallet and Google Wallet pass delivery, push notifications, and real-time analytics. Loopy Loyalty is the next cheapest wallet-pass platform at approximately $49/month.

What loyalty programs charge a percentage of sales?

Toast Loyalty charges a percentage of transaction volume plus a base fee; the total scales with your restaurant's revenue. This means costs are unpredictable and increase as your business grows. Most other platforms (LoyaltyPass, Loopy Loyalty, Stamp Me) use flat monthly fees, which makes budgeting straightforward.

What hidden costs should I watch for in loyalty program pricing?

Common hidden costs: push notification campaigns priced as a separate add-on (Square Marketing is separate from Square Loyalty), per-member fees above a tier cap, setup fees, hardware costs, and POS lock-in (if you switch your POS, some platforms erase your loyalty data). LoyaltyPass has no setup fees, no hardware requirements, and no per-member fees within plan limits.

Can I switch loyalty platforms without losing customer data?

Yes, if you export your customer data as a CSV before switching. Most platforms allow a CSV export of customer names, emails, and point/stamp balances. LoyaltyPass accepts CSV imports and sets each customer's starting balance to their previous total, so nobody starts from zero.

Is loyalty program software ROI-positive for small businesses?

For most small businesses with repeat customers, yes. At $99/month ($1,188/year), a loyalty program needs to generate a small amount of incremental revenue to break even. If push notifications drive one extra visit per week at a $10 average ticket, that is $520/year in incremental revenue toward the annual cost. A busy cafe where push notifications drive just two extra visits per week at $10 average ticket generates $1,040/year in incremental revenue, nearly covering the annual subscription. The payback period for most coffee shops, restaurants, and salons is under 60 days.

Loyalty Program Pricing Comparison: 10 Platforms in 2026

Loyalty program software for small businesses costs between free (very limited) and $200+/month for enterprise platforms. The most common range for full-featured solutions is $99/month. Below is a complete pricing comparison across 10 platforms, with exact prices and what each plan includes.

Loyalty program software: A platform that lets businesses create and manage a digital loyalty scheme (stamp cards, points programs, or tiered rewards) without building a custom app. Customers collect stamps or points via a wallet pass, app, or POS card; the platform tracks balances and sends automated communications.

For a deeper breakdown of setup costs, rewards liability, and hidden fees, see the companion guide: Loyalty Program Cost: What Businesses Actually Pay in 2026.

Loyalty program pricing comparison table

Platform	Entry plan	Members included	Wallet passes	Push notifications	POS required	Best for
LoyaltyPass Starter	$99/month	Up to 500	Apple + Google	Included	None	Independent cafes, salons, restaurants
LoyaltyPass Pro	$99/month	Unlimited	Apple + Google	Included + campaigns	None	Growing businesses, multi-location
Loopy Loyalty	~$49/month	Varies by plan	Apple + Google	Basic	None	Budget-conscious stamp-card programs
Stamp Me	~$30/month	Varies by plan	No (app-based)	Yes	None	Businesses whose customers prefer apps
Square Loyalty	$45/month add-on	Unlimited	No	Separate add-on	Square POS	Businesses already using Square POS
Toast Loyalty	% of sales + base	Unlimited	No	No	Toast POS	Large-volume restaurants on Toast
Clover Rewards	Bundled	Unlimited	No	Limited	Clover POS	Businesses already on Clover hardware
Boomerangme	~$99/month	Varies	Apple + Google	Yes	None	Marketing agencies, white-label needs
PassKit	$99+/month	Varies	Apple + Google	Yes	None	Developers building custom pass systems
Yotpo Loyalty	$199+/month	Varies	No	Yes	Optional	E-commerce brands needing reviews + loyalty

What each price tier covers

Each platform's entry plan determines whether you get wallet passes, push notifications, and unlimited members, or whether those features cost extra. Here is what you get at the advertised price.

LoyaltyPass ($99/month)

Best for: independent small businesses that want wallet passes, push notifications, and no POS lock-in. The Starter plan at $99/month covers up to 500 active members, 1 loyalty program, stamp cards and points programs, Apple Wallet and Google Wallet passes, push notifications, and the basic analytics dashboard. No setup fees, no per-scan fees, no hardware required.

Loopy Loyalty (~$49/month)

Loopy Loyalty supports stamp-card-only programs with wallet pass delivery. Push notification options are limited to basic transaction alerts: no segmented campaigns. The platform is stable and well-established but does not support points programs, tiered rewards, or coupon cards.

Stamp Me (~$30/month)

Stamp Me requires customers to download a separate app, which reduces enrollment rates compared to wallet-pass-native alternatives. The trade-off is a slightly lower starting price. Push notifications are included. Free tier available with significant feature caps.

Square Loyalty ($45/month add-on)

Square Loyalty costs $45/month on top of your existing Square processing fees. It is points-only (no stamp cards), tracks customers by phone number (no wallet card), and does not include push notifications: those require a separate Square Marketing subscription starting at $15/month. Total minimum cost: $60/month. Maximum benefit only if you never leave Square POS.

Toast Loyalty (% of sales + base)

Toast Loyalty's pricing scales with your transaction volume, making it the least predictable option. For a restaurant processing $50,000/month in sales, the loyalty add-on can reach $100-200/month or more. No wallet passes, no stamp cards, push notifications require a separate add-on. Makes sense only for restaurants fully committed to the Toast ecosystem.

POS-bundled loyalty (Clover Rewards)

Clover Rewards comes bundled with Clover hardware packages. There is no separate monthly fee, but you are paying for it through your Clover subscription and processing fees. Like Square and Toast, there are no wallet passes and the program only works within Clover.

Boomerangme (~$99/month)

Boomerangme is a white-label wallet pass platform at a similar price point to LoyaltyPass. It is better suited to marketing agencies managing multiple clients than to individual business owners. Feature sets are comparable at entry level.

PassKit ($99+/month)

PassKit is a developer-oriented API for building custom wallet pass systems. It is not a no-code small business tool: it requires technical setup. The entry price of $99/month reflects the API access and enterprise-grade infrastructure. Not the right fit for independent businesses.

Yotpo Loyalty ($199+/month)

Yotpo is an enterprise loyalty and reviews platform primarily used by e-commerce brands. The price reflects features like loyalty + reviews + referrals bundled together. It is not designed for physical small businesses and has no Apple/Google Wallet integration.

Hidden costs to watch for

The advertised monthly price is rarely the total cost. Five costs consistently surprise small businesses after they sign up:

1. Push notifications as a paid add-on: Some platforms charge extra for push notification campaigns after the base plan. LoyaltyPass includes push notifications in the base plan. Square requires a separate Square Marketing subscription.

2. Per-scan or per-transaction fees: Rare at the SMB tier but common in enterprise pricing. Always ask.

3. POS migration costs: If your loyalty program is locked to a POS (Square, Toast, Clover) and you switch, your customer data may not be portable. The "cost" of switching includes re-enrolling every customer.

4. Hardware requirements: Most modern loyalty platforms require no hardware. PassKit and some enterprise platforms require an NFC reader. Confirm before signing up.

5. Setup fees: LoyaltyPass charges none. Some enterprise platforms charge $500-$2,000 for onboarding and setup.

Frequently Asked Questions

How much does loyalty program software cost for a small business?

Loyalty program software for small businesses ranges from free (very limited) to $1,500+/month for enterprise platforms. The most common range for full-featured platforms is $99/month. LoyaltyPass starts at $99/month for the Starter plan (up to 500 members, Apple and Google Wallet passes, push notifications). Square Loyalty costs $45/month as a POS add-on. Loopy Loyalty starts at $35/month. LoyaltyLion starts at $199/month.

What is the cheapest loyalty program that includes push notifications?

LoyaltyPass at $99/month is the lowest-cost platform that includes both wallet passes (Apple Wallet and Google Wallet) and push notifications. Free tiers on most platforms remove push notification access. Stamp Me's free tier includes stamps only with no campaigns. The $99/month LoyaltyPass Starter plan includes manual push campaigns in addition to automatic transaction notifications.

Why is LoyaltyPass cheaper than a branded loyalty app?

Branded loyalty apps require custom software development ($50,000-$200,000 to build), ongoing maintenance ($3,000-$5,000/month), and App Store fees. They also suffer a 47% annual uninstall rate, so you are paying to maintain an app that most customers delete within a year. LoyaltyPass delivers the same capability (branded loyalty card, push notifications, analytics) through Apple Wallet and Google Wallet, which are already installed on every customer's phone. No development cost, no app maintenance.

Are there free loyalty programs for small businesses?

Several platforms offer limited free tiers: Stamp Me (up to 50 members, stamps only, no push campaigns), LoyaltyLion (very limited features), and Loopy Loyalty (short trial only). Free tiers consistently remove push notifications and cap member counts too low to be useful for most businesses. For a business with 100+ regular customers, $99/month is the practical minimum for a usable program.

What hidden costs should I expect with loyalty program software?

The four most common hidden costs: setup fees (LoyaltyPass charges none), POS integration fees (LoyaltyPass requires no integration), per-notification charges (some platforms charge per push notification after a monthly limit; LoyaltyPass includes push in the subscription), and data export fees when switching platforms (LoyaltyPass allows full CSV export at any time at no cost).

What $99/month actually gets you

For most independent small businesses (a cafe, a barbershop, a nail salon, a restaurant), the $99/month LoyaltyPass Starter plan covers everything needed to run a complete loyalty program:

Up to 500 active loyalty members
Apple Wallet and Google Wallet passes
Stamp card or points program (your choice)
Push notifications on every transaction
Manual push campaigns (flash sales, birthday rewards)
Real-time analytics dashboard
Free merchant app for staff (iOS and Android)
14-day free trial with no credit card required

At $99/month ($1,188/year), a loyalty program that drives two extra visits per week at a $10 average ticket generates $1,040/year in incremental revenue, nearly covering the full annual subscription from push notification campaigns alone.

Related: 7 Best Loyalty Program Software for Small Business in 2026 for a full platform comparison beyond pricing alone. Free Loyalty Program for Small Business: What You Get (and What You Don't) covers what is actually available for free and where the limitations hit. Loyalty Program That Works With Any POS explains why POS-independence affects total cost.