VirtualCards
VirtualCards combines a phone-based loyalty card wallet for consumers with loyalty and campaign tools for merchants.
What VirtualCards is
VirtualCards combines a phone-based loyalty card wallet for consumers with loyalty and campaign tools for merchants. Consumers can add a card by scanning its barcode, uploading a screenshot, or entering details, then show its barcode or code at checkout. Saved cards can be used offline, while offers become available after the app synchronizes online. The app is available on Android, iOS, and the web. Merchants can build programs around points, stamps, offers, coupons, tiers, and rewards, then communicate through notifications, campaigns, direct messages, and geo-targeting. The dashboard reports active customers, purchase frequency, reward use, and campaign performance. Merchant promotions can appear in the app and on the website, where users can discover brands, offers, and rewards. The maker lists horeca, beauty, retail, fitness, and clothing and accessories among merchant sectors. The free plan allows up to 50 cards, one offer and one push notification per month, one location, and basic statistics; coupons and multi-user access are excluded. Paid plans are €50 a month for Starter and €99 a month for Business, with VAT added at checkout based on country and VAT-payer status.
Good
- Saved loyalty cards work offline
- Available on Android, iOS, and web
- Merchant programs support points, stamps, and rewards
- Dashboard reports campaign performance
Watch out
- Free plan limits cards to 50
- Free plan excludes coupons and multi-user access
- Merchant plan prices exclude VAT
- No free trial
Who it suits
VirtualCards suits consumers who want loyalty cards stored on their phones, as well as merchants building customer loyalty programs. Its merchant tools include campaign messaging and activity reporting.
Verdict
VirtualCards serves both loyalty-card holders and businesses running loyalty programs, with an offline option for saved cards. Merchants should check the free-plan limits and account for VAT on displayed paid-plan prices.
Plans and prices
From VirtualCards's own pricing page, checked 9 Oct 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Free | Free | up to 50 cards · 1 offer / month · 1 push notification / month · 1 location · basic statistics · email support · no coupons or multi-user access |
| Starter | €50 a month | up to 300 cards · 2 offers / month · 2 coupons / month · 2 push notifications / month · 5 locations · advanced statistics · AI Chat support · 50.00€ / month |
| Business | €99 a month | up to 800 cards · 4 offers / month · 4 coupons / month · 3 push notifications / month · unlimited locations · advanced statistics + export · GDPR compliant + DB export · AI Chat + priority human support · 99.00€ / month |
| Starter | €400 a year | up to 300 cards · 2 offers / month · 2 coupons / month · 2 push notifications / month · 5 locations · advanced statistics · AI Chat support · billed 400.00€/year |
| Business | €790 a year | up to 800 cards · 4 offers / month · 4 coupons / month · 3 push notifications / month · unlimited locations · advanced statistics + export · GDPR compliant + DB export · AI Chat + priority human support · billed 790.00€/year |
The facts
Each one read from VirtualCards's own pages, with the date it was checked.
What it does
- Analytics
- The dashboard reports active customers, purchase frequency, reward use, and campaign performance.checked 9 Oct 2026
- Campaign features
- The merchant platform lists push notifications, dedicated campaigns, direct messages, geo-targeting, customer feedback, and detailed reports.checked 9 Oct 2026
- Card setup
- Users can add cards by scanning a plastic card’s barcode, uploading a screenshot, or entering details for a new card.checked 9 Oct 2026
- Ecosystem
- The maker says merchant promotions appear in its mobile app and on its website, where users can discover brands, offers, and rewards.checked 9 Oct 2026
- Loyalty options
- Merchant programs can use points, stamps, offers, coupons, tiers, and rewards.checked 9 Oct 2026
- Merchant audience
- The maker lists horeca, beauty, retail, fitness, and clothing and accessories among the merchant sectors using the platform.checked 9 Oct 2026
- Merchant tools
- Merchants can create loyalty programs, send promotions and notifications, communicate with customers, and review results.checked 9 Oct 2026
- Offline use
- The FAQ says saved loyalty cards can be used without an internet connection, while offers become accessible after the app synchronizes online.checked 9 Oct 2026
- Pricing limits
- Displayed merchant plan prices exclude VAT, which is added at checkout based on country and VAT-payer status.checked 9 Oct 2026
- Privacy and security
- The privacy notice says VirtualCards uses access controls, firewalls, secure servers, encryption for certain data, and holds ISO/IEC 27001:2013 certification.checked 9 Oct 2026
- Support
- The maker directs users to the in-app feedback form or [email protected] for questions.checked 9 Oct 2026
The company
- Company history
- The maker’s About page says the VirtualCards app appeared in 2011 and is a project developed by Active Soft.checked 9 Oct 2026
- Headquarters
- Bucharest, Romaniachecked 28 Sep 2026
Where it runs
- Consumer app
- VirtualCards stores users’ loyalty cards on their phones so they can show a card barcode or code at checkout.checked 9 Oct 2026
- Supported platforms
- The FAQ says the application is available for Web, Android, and iOS.checked 9 Oct 2026
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