Top 10 Gift Card & Store Credit Solutions Tools for eCommerce in 2026

TL/DR Summary

Gift card and store credit programs have moved from nice‑to‑have perks to core components of ecommerce profitability. This article reviews 10 leading platforms that help merchants create gift cards, manage store credit, and design redemption journeys that improve customer experience while keeping more revenue inside the brand ecosystem.

Key takeaways

• Store credit and gift card solutions help merchants improve customer loyalty by turning refunds into future spending rather than cash outflows.

• Digital gift cards and hybrid models that work both in-store and online are becoming standard expectations, not premium features.

• Tools such as Govalo, Givy, GiftUp, and Square enable merchants to sell gift cards directly from their stores and manage redemptions with minimal friction.

• Platforms like Tango Card, Giftly, and Gyft specialise in multi‑brand rewards programs where a single catalog can serve many different campaigns and audiences.

• Migration and automation tools such as Giftnote and Selling Point reduce operational risk by making sure credit is created, tracked, and redeemed accurately across systems.

The best choice for any merchant depends on their scale, channels, and the role gifting should play in their wider loyalty strategy. Leaders who treat gift card and store credit infrastructure as a strategic program (rather than a one‑off configuration task) are better positioned to strengthen relationships, encourage customers to return, and turn gifting into a durable revenue driver for their brand.

Introduction

Gift cards and store credit have quietly become one of the most effective levers for protecting margins, reducing refund leakage, and strengthening relationships with existing customers. As the global gift card market moves toward the trillion‑dollar mark by 2026, digital gift cards, flexible store credit management, and integrated rewards programs are at the heart of the post‑purchase experience. They are shaping customer satisfaction, repeat purchases, and the revenue that actually stays with the merchant.

Top 10 Gift Cards & Store Credit Solution tools for eCommerce in 2026

Gift card and store credit solution tools look similar on the surface, but they serve very different use cases once you dive into pricing models, integrations, and how credit is redeemed. Below is a closer look at 10 platforms that US ecommerce brands are actively using or evaluating for 2026.

1. Govalo

Govalo helps Shopify merchants create gift cards and build a richer store credit experience for returns, exchanges, and gifting. Instead of treating gift card options as an afterthought, treat them as a structured program that supports out‑of‑stock scenarios, giftable products, and scheduled delivery.

Key features

• It lets merchants create gift cards with customized designs, gift notes, and a custom image, while keeping the customer workflow simple.

• Adds an option to purchase gift cards when items are unavailable, helping merchants avoid dead ends at checkout and recover potential sales.

• Provides a store credit management dashboard that enables teams to issue, track, and manage credit for refunds without engineering work.

• Integrates with email platforms and subscription tools to fully automate gift card code delivery, reminders, and redemptions.

Govalo follows a mixed pricing model that combines a monthly fee with a percentage of gift card sales, with higher tiers adding store credit solution capabilities, corporate and bulk gifting, and API access.

2. Givy

Givy is built for ecommerce merchants that want to go beyond simple gift card business use cases and turn almost any product, subscription, or membership into a gift. It treats gift cards as part of a broader gifting program, allowing customers to send items to friends and family without knowing shipping details upfront.

Key features

• Allows merchants to sell gift cards, physical cards, subscriptions, and one‑time products in one checkout, all with personalized messages.

• Gives recipients control over where and when gifts are redeemed by letting them choose variants, enter addresses, and manage timing.

• Supports bulk gifting and coupons for corporate campaigns, enabling marketing or HR teams to distribute rewards at scale.

• Works with multi‑currency and multi‑language storefronts, helping merchants reach new customers in additional markets without extra engineering.

Givy typically charges a flat monthly price plus a small fee on the value of gifts and digital cards processed through the platform, with a free tier for development and very small stores.

3. Vify

Vify focuses on giving merchants straightforward tools to manage digital gift cards and, where needed, physical cards without overcomplicating the process. It is popular with smaller Shopify merchants that want to add a professional gift card program quickly, and then grow into more advanced store credit solution features over time.

Key features

• Provides templates for creating gift cards and for configuring branded emails so customers receive a clear, customized confirmation.

• Offers options for physical gift cards and physical cards for in-store redemption while keeping reporting in a single dashboard.

• Includes a balance checker so customers can view remaining balance and gift card redemption history without calling support.

• Enables bulk uploading of gift card code batches, helping merchants migrate existing cards or issue rewards after large campaigns.

Vify uses a freemium pricing model with a basic free service and paid tiers starting at a low monthly fee.

4. GiftUp

GiftUp is designed for businesses that want to sell gift cards from their own website without adding yet another complex SaaS contract. It emphasises quick setup, the ability to sell gift cards across many channels, and a pay‑as‑you‑go pricing model that charges only when a sale occurs. For merchants who want to offer digital gift cards and physical gift cards without committing to a large subscription, this is a practical option.

Key features

• Embeds a simple widget into any online store so customers can purchase gift cards alongside regular products.

• Allows merchants to offer digital gift cards via email or digital cards that can be printed or saved to a mobile wallet.

• Supports partial redemption, so a gift card can be redeemed in-store or online multiple times until the balance is fully used.

• Connects to Zapier, email tools, and POS systems so that redemptions, refunds, and notifications can be part of broader workflows.

GiftUp charges a small percentage fee on each gift card order, rather than a monthly subscription, excluding standard payment processing costs.

5. Square

Square approaches gift cards as one component of a tightly integrated commerce stack that spans in-store POS, online checkout, and invoicing. For merchants already running their payment and inventory operations on Square, adding a gift card program is a natural extension rather than another standalone service.

Key features

• Provides tools to sell gift cards directly through the Square checkout, Square Online websites, and physical terminals.

• Supports both digital and physical gift cards, with options to customize designs to match the merchant brand.

• Syncs gift card redemption and store credit across channels, reducing reconciliation work for the finance team.

• Offers integrated reporting that shows how gift card sales, refunds, and purchases contribute to overall revenue.

Square follows its standard transaction‑based pricing, with a small additional fee when customers purchase gift cards or load value onto a card in-store.

6. Tango Card

Tango Card is a B2B‑focused platform that powers digital rewards, incentives, and large‑scale programs across many brands, rather than only a single merchant’s online store. Instead of running its own consumer gift card program, it provides a catalog of rewards that can be embedded into apps, surveys, or enterprise platforms.

Key features

• Gives recipients access to a broad catalog of gift cards from thousands of merchants worldwide.

• Provides a self‑serve dashboard and APIs so teams can manage, automate, and track rewards as part of their existing program.

• Offers strong reporting and fraud controls that help finance and compliance teams manage credit and rewards at scale.

• Supports charitable donations, prepaid cards, and coupons as alternatives to a traditional gift card, expanding the use cases.

Tango Card usually does not charge a platform subscription; merchants and enterprises pay the face value of each reward they send, with possible discounts at volume.

7. Giftly

Giftly positions itself as a flexible, cash‑like gifting option where recipients can decide how to use their value, often beyond one specific merchant. For ecommerce and services businesses, it becomes a way to send digital gift cards or credit to customers or employees without managing the underlying payout rails themselves. Because recipients often move funds into a bank account or payment wallet, the solution can feel more like store credit in some scenarios.

Key features

• It lets businesses purchase gift cards in bulk and distribute them via email, SMS, or links as part of marketing or loyalty campaigns.

• Provides multiple redemption methods, including PayPal and bank transfer, as well as physical gift cards for those who prefer them.

• Offers basic customization so that merchants can add branding and messages that align with their existing customer experience.

• Includes tracking tools to show which gifts have been viewed, redeemed, or expired, helping teams manage breakage and refund processes.

Giftly typically prices its service based on transaction volume and configuration, with consumer‑facing fees on some direct purchases.

8. Gyft

Gyft, now part of a larger payments group, operates as a distribution and wallet platform for digital gift cards across many brands. It supports both consumer use cases and corporate programs via an API that enables businesses to embed gift card options into their own applications.

Key features

• Offers a mobile wallet that lets customers store, manage, and redeem gift cards from various brands in digital form.

• Provides corporate tools and APIs that enable merchants to send bulk rewards, run promotions, and power loyalty campaigns.

• Supports instant delivery of gift card code details via email or SMS, reducing delays and manual processing.

• Supplies fraud controls, reporting, and CRM hooks so a team can monitor purchases, redemptions, and overall program performance.

Gyft generally works on a no‑subscription model for corporate users, charging based on the value of gift cards purchased and any associated services.

9. Giftnote

Giftnote is focused squarely on Shopify merchants who want gifting and store credit to feel embedded in the purchase journey, not bolted on. It automates the many small steps around gift messages, credit issuance, and notifications that used to be manual and error‑prone.

Key features

• Adds branded, personalized gift messaging at checkout so customers can create a more emotional connection without extra support effort.

• Enables merchants to create gift cards and store credit dynamically, including scheduled delivery to align with shipment or occasions.

• Supports bulk and corporate gifting so marketing and sales teams can run campaigns without spreadsheet‑driven processes.

• Captures recipient data and connects it to email tools, enabling teams to strengthen relationships and convert recipients into long‑term customers.

Giftnote uses a tiered subscription model with a small free allowance, followed by paid plans based on order volume and feature depth.

10. Selling Point

Selling Point solves a very specific but critical problem for merchants moving onto Shopify or restructuring their gift card program: migrating existing gift cards and store credit without losing data or trust. When a business has years of legacy credit outstanding, a poorly managed migration can damage customer loyalty and create operational risk.

Key features

• Imports large volumes of historical gift card and store credit records from legacy platforms, spreadsheets, or POS systems.

• Converts legacy store credit into usable Shopify gift card code entries so that customers can redeem gift cards as usual.

• Keeps an import history so the team can audit which merchants, customers, and balances were moved and in what form.

• Offers dedicated support to manage edge cases, refunds, and reconciliation during the migration process.

Selling Point typically charges a flat monthly fee that grants access to unlimited migrations, making costs predictable for larger projects.

Closing thoughts for eCommerce leaders

As gift programs, refunds, and store credit become more deeply connected to loyalty, ecommerce leaders can no longer treat them as simple add‑ons. The right mix of tools can improve customer satisfaction, reduce cash refunds, and steadily increase sales by nudging customers toward future purchases instead of one‑off transactions.