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Consumer Retail

Top 10 Best Gift Card Processing Software of 2026

Discover the top 10 best gift card processing software. Compare features, find the right fit for your business – start your search today!

Gitnux Team

Feb 11, 2026

10 tools comparedExpert reviewed
Independent evaluation · Unbiased commentary · Updated regularly
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Gift card processing software is essential for businesses looking to enhance customer loyalty, streamline transactions, and unlock new revenue streams in a competitive market. With a spectrum of tools—from API-driven platforms to POS-integrated solutions—selecting the right software is critical, as our curated list of top options reflects the most versatile and effective choices available.

Quick Overview

  1. 1#1: Giftbit - API-first platform for issuing, sending, tracking, and automating digital gift cards and payouts.
  2. 2#2: Tremendous - Simple platform to send global digital gift cards, prepaid Visa cards, and donations with bulk and API support.
  3. 3#3: Tango Card - Comprehensive rewards and incentive platform with a vast catalog of branded gift cards and automation tools.
  4. 4#4: Rise.ai - E-commerce gift card platform that integrates with Shopify to create stored-value solutions and boost revenue.
  5. 5#5: Recharge - Subscription and recurring payments platform with advanced gift card management for Shopify stores.
  6. 6#6: NRSPay - Gift card processing software offering issuance, redemption, POS integration, and detailed reporting for retailers.
  7. 7#7: Givex - Enterprise gift card and loyalty platform providing secure processing and multi-channel redemption globally.
  8. 8#8: Blackhawk Network - Scalable prepaid and gift card solutions for large enterprises with extensive distribution networks.
  9. 9#9: Square - POS-integrated gift card tools for small businesses allowing easy selling, reloading, and redemption.
  10. 10#10: Toast - Restaurant POS system with built-in gift card functionality for issuance, tracking, and contactless redemption.

We ranked tools based on key metrics like feature breadth (including issuance, redemption, and integration), user-friendliness, reliability, and value, ensuring each entry caters to diverse business needs and operational goals.

Comparison Table

This comparison table helps readers navigate popular gift card processing software, featuring tools like Giftbit, Tremendous, Tango Card, Rise.ai, Recharge, and others. It outlines key differences in functionality, pricing, and integrations, guiding users to select the best fit for their business requirements.

1Giftbit logo9.7/10

API-first platform for issuing, sending, tracking, and automating digital gift cards and payouts.

Features
9.8/10
Ease
8.4/10
Value
9.5/10
2Tremendous logo9.4/10

Simple platform to send global digital gift cards, prepaid Visa cards, and donations with bulk and API support.

Features
9.7/10
Ease
9.2/10
Value
9.1/10
3Tango Card logo8.7/10

Comprehensive rewards and incentive platform with a vast catalog of branded gift cards and automation tools.

Features
9.4/10
Ease
8.5/10
Value
8.2/10
4Rise.ai logo8.7/10

E-commerce gift card platform that integrates with Shopify to create stored-value solutions and boost revenue.

Features
9.2/10
Ease
8.5/10
Value
8.3/10
5Recharge logo8.2/10

Subscription and recurring payments platform with advanced gift card management for Shopify stores.

Features
8.5/10
Ease
8.0/10
Value
7.9/10
6NRSPay logo7.3/10

Gift card processing software offering issuance, redemption, POS integration, and detailed reporting for retailers.

Features
7.8/10
Ease
6.9/10
Value
7.1/10
7Givex logo8.4/10

Enterprise gift card and loyalty platform providing secure processing and multi-channel redemption globally.

Features
9.2/10
Ease
7.8/10
Value
7.9/10

Scalable prepaid and gift card solutions for large enterprises with extensive distribution networks.

Features
9.1/10
Ease
7.4/10
Value
7.9/10
9Square logo8.2/10

POS-integrated gift card tools for small businesses allowing easy selling, reloading, and redemption.

Features
7.8/10
Ease
9.2/10
Value
8.5/10
10Toast logo7.8/10

Restaurant POS system with built-in gift card functionality for issuance, tracking, and contactless redemption.

Features
8.2/10
Ease
8.0/10
Value
7.0/10
1
Giftbit logo

Giftbit

specialized

API-first platform for issuing, sending, tracking, and automating digital gift cards and payouts.

Overall Rating9.7/10
Features
9.8/10
Ease of Use
8.4/10
Value
9.5/10
Standout Feature

Developer-first API supporting unlimited programmatic control over gift issuance, balances, and redemptions across thousands of brands

Giftbit is a developer-centric platform specializing in digital gift cards and rewards, enabling businesses to programmatically issue, send, track, and redeem incentives from over 2,000 global brands via a robust API. It excels in automating bulk distributions for customer loyalty programs, employee recognition, sales incentives, and partner rewards, with real-time analytics and fraud prevention built-in. The service emphasizes scalability, PCI compliance, and seamless integrations with tools like Zapier, HubSpot, and custom apps.

Pros

  • Vast catalog of 2,000+ premium brands with instant global delivery
  • Powerful RESTful API for full automation and customization
  • Advanced analytics, redemption tracking, and built-in fraud detection

Cons

  • API-focused interface requires developer expertise for optimal use
  • Usage-based pricing can become costly at very high volumes
  • Limited native no-code tools for non-technical users

Best For

Tech-savvy businesses and developers seeking scalable, API-driven digital gift card solutions for rewards and loyalty programs.

Pricing

Pay-as-you-go model with no setup or monthly fees; per-gift pricing starts at ~$0.50-$5 depending on brand, volume, and denomination (enterprise custom quotes available).

Visit Giftbitgiftbit.com
2
Tremendous logo

Tremendous

specialized

Simple platform to send global digital gift cards, prepaid Visa cards, and donations with bulk and API support.

Overall Rating9.4/10
Features
9.7/10
Ease of Use
9.2/10
Value
9.1/10
Standout Feature

API-driven automation for instant, programmable gift card sends integrated with 100+ tools like Typeform and HubSpot

Tremendous is a robust platform specializing in digital gift card distribution for rewards, incentives, and payouts, supporting over 2,000 brands worldwide. It offers seamless API integrations for automating bulk sends, customizable reward links, and compatibility with tools like surveys and CRMs. Businesses use it to instantly deliver gift cards, prepaid Visa/Mastercard, or cash equivalents globally, with real-time tracking and fraud prevention.

Pros

  • Vast selection of 2,000+ digital gift card brands from major retailers
  • Powerful API and no-code integrations for automated, scalable distribution
  • Global reach in 200+ countries with instant delivery and compliance (PCI DSS)

Cons

  • Primarily digital-only; no support for physical gift cards or traditional retail POS systems
  • Transaction fees (e.g., 3-6% per reward) can accumulate at very high volumes
  • Customization options limited compared to enterprise-level gift card platforms

Best For

Mid-to-large businesses automating customer loyalty rewards, employee incentives, or survey payouts at scale.

Pricing

Pay-as-you-go with no setup or monthly fees; $0.30-$3.00 per digital reward plus card value, with volume discounts available.

Visit Tremendoustremendous.com
3
Tango Card logo

Tango Card

specialized

Comprehensive rewards and incentive platform with a vast catalog of branded gift cards and automation tools.

Overall Rating8.7/10
Features
9.4/10
Ease of Use
8.5/10
Value
8.2/10
Standout Feature

Industry-leading catalog of 1,500+ digital rewards brands accessible via a single API

Tango Card is a robust digital rewards platform specializing in gift card distribution and incentive management for businesses. It enables seamless delivery of e-gift cards from over 1,500 global brands via email, SMS, API, or integrations with tools like Salesforce and Zapier. Ideal for employee recognition, customer loyalty programs, and market research incentives, it provides real-time tracking, fraud prevention, and automated fulfillment.

Pros

  • Extensive catalog of 1,500+ gift card brands with global options
  • Powerful API and 100+ integrations for automation
  • Advanced analytics and redemption tracking for ROI insights

Cons

  • Pricing scales with volume but can be costly for low-volume users
  • Limited support for physical gift cards
  • Dashboard learning curve for non-technical users

Best For

Mid-to-large businesses running high-volume incentive and rewards programs that require diverse, international gift card options.

Pricing

Custom enterprise pricing with pay-per-transaction model (typically 3-10% fees + card value); volume discounts available, no upfront costs for standard plans.

Visit Tango Cardtangocard.com
4
Rise.ai logo

Rise.ai

specialized

E-commerce gift card platform that integrates with Shopify to create stored-value solutions and boost revenue.

Overall Rating8.7/10
Features
9.2/10
Ease of Use
8.5/10
Value
8.3/10
Standout Feature

Multi-brand and multi-store gift card management, allowing a single card to be redeemed across multiple locations or brands

Rise.ai is a digital gift card platform designed for e-commerce businesses, enabling the creation, sale, and management of customizable digital gift cards. It integrates seamlessly with platforms like Shopify, WooCommerce, and BigCommerce, allowing for instant delivery via email or SMS upon purchase. The software provides tools for tracking redemptions, sending automated reminders for unused balances, and generating detailed analytics to optimize gift card programs.

Pros

  • Seamless integrations with major e-commerce platforms
  • Highly customizable digital gift card designs and delivery options
  • Robust analytics and automation for balance reminders and reporting

Cons

  • Primarily focused on digital cards, limited support for physical gift cards
  • Transaction-based fees can add up for high-volume users
  • Advanced customization may require some technical setup

Best For

E-commerce stores and multi-brand retailers seeking an easy way to launch and manage digital gift card programs.

Pricing

Pay-as-you-go model at around 1.5% + $0.30 per gift card sold, with subscription plans starting at $49/month for higher volumes and reduced fees.

5
Recharge logo

Recharge

specialized

Subscription and recurring payments platform with advanced gift card management for Shopify stores.

Overall Rating8.2/10
Features
8.5/10
Ease of Use
8.0/10
Value
7.9/10
Standout Feature

Subscription-linked gift cards that automatically apply to recurring orders

Recharge is a subscription and payments platform for e-commerce merchants, particularly Shopify users, that extends to gift card processing through its stored value and prepaid billing capabilities. It allows businesses to issue digital gift cards, manage balances, handle redemptions, and integrate with checkout flows for seamless use. While not a standalone gift card specialist, it excels in combining gift cards with recurring billing for a unified customer experience.

Pros

  • Deep integration with Shopify and other platforms
  • Advanced reporting and customer analytics
  • Scalable for high-volume transactions

Cons

  • Primarily subscription-focused, with gift cards as secondary
  • Transaction fees can be costly for low-volume users
  • Limited native design customization for gift cards

Best For

Shopify merchants managing both subscriptions and gift cards in a single platform.

Pricing

Starts at $60/month for up to 500 transactions plus 2% transaction fee; tiered plans scale with volume, with a free tier for first 50 orders/month.

Visit Rechargerechargepayments.com
6
NRSPay logo

NRSPay

specialized

Gift card processing software offering issuance, redemption, POS integration, and detailed reporting for retailers.

Overall Rating7.3/10
Features
7.8/10
Ease of Use
6.9/10
Value
7.1/10
Standout Feature

Specialized support for reloadable and high-volume gift card programs in high-risk industries

NRSPay is a payment processing platform that offers gift card issuance, redemption, and balance management capabilities tailored for high-risk merchants and retailers. It integrates with POS systems and e-commerce platforms to handle both physical and digital gift cards efficiently. The software emphasizes secure transactions and real-time tracking, making it suitable for businesses with diverse payment needs.

Pros

  • Robust integration with major POS and e-commerce systems
  • Real-time gift card balance inquiries and reporting
  • Strong security features for high-risk gift card transactions

Cons

  • Setup process can be complex for non-technical users
  • Pricing lacks transparency without custom quotes
  • Limited advanced customization for gift card designs

Best For

High-risk retailers and online stores needing integrated gift card processing with payment gateways.

Pricing

Custom quotes based on volume; typically 2.5-3.5% + $0.25-$0.35 per transaction, with setup fees.

Visit NRSPaynrspay.com
7
Givex logo

Givex

enterprise

Enterprise gift card and loyalty platform providing secure processing and multi-channel redemption globally.

Overall Rating8.4/10
Features
9.2/10
Ease of Use
7.8/10
Value
7.9/10
Standout Feature

Cloud-based X™ Platform enabling instant, worldwide omnichannel gift card activation and redemption

Givex is a global provider of gift card and loyalty management solutions, offering end-to-end processing for issuing, activating, redeeming, and tracking physical and digital gift cards. Their cloud-based X™ Platform integrates with POS systems, supports multi-location operations, and includes fraud prevention, reporting, and omnichannel redemption capabilities. Designed primarily for retailers and restaurants, it enables seamless balance inquiries, promotions, and data analytics to drive customer engagement.

Pros

  • Robust global network with multi-currency and multi-language support
  • Advanced fraud detection and real-time transaction processing
  • Seamless integrations with major POS systems like NCR and Oracle

Cons

  • Complex setup and steep learning curve for smaller teams
  • Custom pricing lacks transparency and can be expensive for low-volume users
  • Limited self-service options; heavy reliance on vendor support

Best For

Large retail chains and multi-location restaurant groups requiring scalable, enterprise-grade gift card management.

Pricing

Custom enterprise pricing based on transaction volume, locations, and features; typically includes setup fees, monthly subscriptions, and per-transaction costs—contact sales for quotes.

Visit Givexgivex.com
8
Blackhawk Network logo

Blackhawk Network

enterprise

Scalable prepaid and gift card solutions for large enterprises with extensive distribution networks.

Overall Rating8.3/10
Features
9.1/10
Ease of Use
7.4/10
Value
7.9/10
Standout Feature

OneNetwork platform providing unified access to a massive portfolio of third-party gift card brands and instant digital fulfillment.

Blackhawk Network offers a robust enterprise-grade platform for gift card issuance, distribution, processing, and redemption, supporting both physical and digital cards across retail, e-commerce, and incentive programs. It integrates seamlessly with POS systems, ERPs, and payment gateways, enabling businesses to manage high-volume gift card programs efficiently. The solution emphasizes fraud prevention, real-time balance tracking, and data analytics for optimizing gift card revenue streams.

Pros

  • Vast network of over 200 gift card brands and partners for broad distribution
  • Scalable for enterprise-level transaction volumes with strong API integrations
  • Advanced security features including PCI compliance and fraud detection

Cons

  • Enterprise-focused with complex setup unsuitable for small businesses
  • Pricing is opaque and requires custom quotes, often high for startups
  • Steeper learning curve and requires dedicated support for implementation

Best For

Large retailers, enterprises, and incentive program managers needing scalable, multi-brand gift card processing.

Pricing

Custom enterprise pricing based on volume and features; typically starts at several thousand dollars monthly with implementation fees—contact sales for quotes.

Visit Blackhawk Networkblackhawknetwork.com
9
Square logo

Square

other

POS-integrated gift card tools for small businesses allowing easy selling, reloading, and redemption.

Overall Rating8.2/10
Features
7.8/10
Ease of Use
9.2/10
Value
8.5/10
Standout Feature

Instant digital gift card creation and delivery directly from the Square dashboard with automatic balance tracking

Square is a versatile payment processing platform that offers integrated gift card processing, enabling businesses to sell, issue, and redeem both digital and physical gift cards through its POS system. Merchants can create custom digital gift cards instantly with no upfront costs, send them via email or text, and track balances and redemptions in real-time. Physical gift cards are available for bulk ordering with branding options, making it suitable for small to medium-sized retailers seeking straightforward gift card management.

Pros

  • Seamless integration with Square POS for effortless redemptions
  • No setup or monthly fees for digital gift cards
  • Instant digital delivery via email or text for customer convenience

Cons

  • Transaction fees apply to gift card sales (e.g., 2.9% + 30¢ online)
  • Limited advanced customization compared to dedicated gift card platforms
  • Physical cards require minimum orders and additional costs

Best For

Small retail and service businesses already using Square POS that need simple, integrated gift card functionality without complex setup.

Pricing

Free for digital gift cards; standard Square processing fees apply (2.6% + 10¢ in-person, 2.9% + 30¢ online); physical cards start at $1-2 each plus shipping with minimum orders.

Visit Squaresquareup.com
10
Toast logo

Toast

other

Restaurant POS system with built-in gift card functionality for issuance, tracking, and contactless redemption.

Overall Rating7.8/10
Features
8.2/10
Ease of Use
8.0/10
Value
7.0/10
Standout Feature

Integrated gift card redemption during online orders and in-person POS transactions without needing separate systems

Toast is a restaurant-focused point-of-sale (POS) system that includes integrated gift card processing, allowing users to sell, issue, redeem, and track physical and digital gift cards directly within the platform. It supports balance inquiries, partial redemptions, and integration with online ordering for a seamless customer experience. The solution provides detailed reporting on gift card sales, redemptions, and liabilities, making it suitable for hospitality businesses managing prepaid value.

Pros

  • Seamless integration with POS for quick redemptions and balance checks
  • Supports both physical and digital gift cards with online ordering compatibility
  • Comprehensive reporting and analytics for gift card performance tracking

Cons

  • High overall cost due to required POS hardware and subscription bundles
  • Primarily optimized for restaurants, less flexible for non-hospitality retail
  • Limited advanced customization for complex gift card programs without add-ons

Best For

Restaurants and food service businesses seeking an integrated POS with reliable gift card handling.

Pricing

Custom quotes starting at $69/month per location plus hardware (gift cards included in core POS plans).

Visit Toasttoasttab.com

Conclusion

The reviewed tools represent the pinnacle of gift card processing software, each tailored to distinct needs. Leading the pack is Giftbit, a versatile API-first platform excelling in issuance, automation, and tracking. While Tremendous shines with global reach and bulk support, and Tango Card offers a vast rewards catalog, Giftbit emerges as the top choice for its comprehensive feature set and adaptability.

Giftbit logo
Our Top Pick
Giftbit

For those seeking to elevate their gift card operations, Giftbit’s robust capabilities make it the ideal starting point—explore its platform to simplify issuance, redemption, and automation today.