Kardy vs
Square Loyalty

A capable loyalty layer for businesses already operating on Square Point of Sale or Square Online.

Platform guide

Tham Kei Lok, Co-founder @ Kardy
Elkan Chua, Co-founder @ Kardy

Our take

Start with the till you already use

If your team already works in Square, the connection to checkout is the part to look at first. Square describes enrolment through its point of sale and online channels, with earning rules based on visits, spend, items or categories. Those details matter when a reward needs to follow the purchase rather than a separate stamp action.

Kardy's current programme is separate from checkout. That can suit a shop looking for a standalone membership experience, but it also means another staff action at the counter. We would not suggest changing a working checkout setup just to gain a different-looking loyalty card. For a Singapore business, confirm regional availability before comparing either product's feature list.

Read Square Loyalty

Where Kardy still falls short

POS and online checkout integrations are not in the current Kardy MVP. Kardy does not yet support spend-, item-, or category-based earning rules. Automated SMS/email journeys, POS-linked earning rules, and sales attribution still need to be built.

A quick feature reference

Use this to shortlist questions for a demo, not to count checkmarks. “Not listed” means we could not confirm a capability—not that it is unavailable.

Kardy compared with Square Loyalty
Capability	Kardy	Square Loyalty
Cross-merchant member wallet Kardy's core consumer promise is a wallet across places, while Square centres the seller's own programme.	Yes	Not listed
Merchant-branded membership Kardy makes the merchant brand the face of the pass; Square lets sellers customise programme terminology and rewards.	Yes	Partial
QR-led joining Kardy starts with a QR journey; Square lists POS, website, invoice, and online purchase enrolment.	Yes	Partial
Apple + Google Wallet Kardy currently offers a web wallet. Native Apple and Google Wallet downloads are still in development; confirm supported pass types with each provider.	Not yet	Partial
Visit, spend, item, and category rules Square supports several earning models; Kardy currently focuses on a clear merchant-defined stamp goal.	Not yet	Yes
Tiers and multiple rewards Kardy now lets merchants add reward levels that advance after redemption; richer VIP rules can follow.	Yes	Yes
CRM, marketing, and sales reporting Square connects loyalty to Customer Directory, Marketing, and loyalty-attributed sales data.	Not yet	Yes
Multi-location merchant account Both products are designed for operators with more than one location.	Yes	Yes

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Try it in practice

Walk through a purchase, a reward redemption and a refund. Check what the cashier has to do in each case, and whether points or stamps need correcting manually.

Use the phones and staff roles you expect to have at launch. Keep a note of anything that needs an explanation, a manual correction or a second device. Those are the details to resolve before inviting customers.

Who it suits

Square Loyalty

Operators who want loyalty, customer data, payments, and marketing inside the Square stack.

Visit Square Loyalty

Before you decide

This guide is written by Kardy, not an independent reviewer. Product capabilities and regional availability can change. Confirm the features you need directly with each provider.

Kardy is still evolving. Native Apple and Google Wallet downloads are not yet available; the current member experience uses the web wallet.