ROI calculator for wallet stamp cards — break-even & profit contribution

Simplified example calculation. No guarantee of results. Actual results depend on your industry, location, offering, margin, reward mechanics, team execution and visit frequency.

Your assumptions

IndustryPick your industry — we’ll load typical example values. You can adjust everything.

Scenario

Scenarios are example assumptions. Adjust the values to fit your business.

Checkout contacts per dayAverage number of customer contacts per day that are eligible for a digital stamp card. Typically this means paying guests or customers at the register.Open days per monthHow many days per month your business is open on average.Average ticket (€)Average revenue per visit or purchase.Tool cost per month (€)Monthly price of the selected plan.

Wallet-save rate (%) — 25%Share of checkout contacts who save the digital stamp card to Apple Wallet or Google Wallet after the QR scan.Additional repeat-visit rate (%) — 8%Share of saved wallet cards that the program drives to make one extra visit per month. This is an assumption, not a guarantee.Contribution margin / gross margin (%) — 70%Estimated share of the additional revenue that remains after variable costs (cost of goods, consumables, variable labor). For cafés this can vary widely by product mix.

Advanced assumptions

Stamps until rewardHow many stamps your guests need to collect before they earn a reward. 5 to 10 stamps is common.Cost per reward (€)Estimated cost you incur from a redeemed reward. Not the retail price, but your actual cost of goods or internal cost value.

Reward redemption rate (%) — 70%Of the rewards earned: the share your guests actually redeem. Industry figures often range between 50% and 80%.

Example result per month

Customer contacts / month: Checkout contacts × open days.; 2,080
Saved wallet cards / month: Estimated from checkout contacts × save rate.; 520
Additional visits / month: Estimated from saved cards × additional repeat-visit rate.; 42
Additional revenue / month: Before cost of goods and variable costs.; +€208
Contribution from additional revenue: Based on the margin you entered.; +€146
Reward costs / month: Simplified from reward threshold, redemption rate and reward cost.; −€7
Tool cost / month: Monthly price of the selected plan.; −€10
Estimated profit contribution / month: After contribution margin, reward costs and tool costs. No guarantee. Use it to sanity-check the order of magnitude.; +€128

Break-even

From roughly 3 additional visits / month

That’s roughly how many extra visits it takes to cover the tool costs.

With your assumptions, just a few extra repeat visits are enough for the digital stamp card to pay off.

Start for free Add the demo card to your wallet

How we calculate

The calculator takes your monthly checkout contacts, multiplies them by the estimated wallet-save rate and derives the number of saved digital stamp cards. It then estimates how many additional visits those cards could drive through visible progress, rewards and reminders.

The additional visits generate additional revenue. Because revenue isn’t the same as profit, we carry it forward using the contribution margin you entered. From that we subtract estimated reward costs and the monthly tool costs.

The result is a simplified estimate of the order of magnitude. It is not a guarantee and does not replace a proper business analysis.

Beispielrechnung mit deinen Werten:

42 zusätzliche Besuche
+€208.00 zusätzlicher Umsatz
+€145.60 Deckungsbeitrag aus Zusatzumsatz
−€7.28 Reward-Kosten
−€9.90 Tool-Kosten
= +€128.42 geschätzter Ergebnisbeitrag

Assumptions & sources

The calculator is a simplified estimate. It shows when a digital wallet stamp card can pay off through additional repeat visits. The example values are based on public loyalty and retention research as well as practical experience from wallet-loyalty setups. Concrete results vary by industry, location, offering, margin, reward mechanics, team execution and customer frequency.

Studies by Bain / Frederick Reichheld show the high economic value of customer retention. Reichheld/Sasser show in “Zero Defections” (Harvard Business Review 1990) that increasing customer retention by 5% can boost profit by 25–85%. McKinsey reports that top-performing loyalty programs can increase revenue from redeeming customers by 15–25% per year — but also warns that many established loyalty programs deliver no value without sound economics. In its Global Customer Loyalty Report 2025, Antavo reports that 83% of surveyed loyalty-program operators see a positive ROI.

Important: the calculator does not replace a proper business analysis. Use it to sanity-check orders of magnitude — not as a guarantee.

Ready for a stamp card your guests will actually use?

Try the digital wallet stamp card yourself or start for free with your first program.

Start for free Add the demo card to your wallet Book a multi-location demo

Digital loyalty cards right inside Apple & Google Wallet — no app, no paper. Turn first-time customers into regulars.

Apple Wallet is a trademark of Apple Inc. Google Wallet is a trademark of Google LLC. reloop is not an official partner of Apple or Google.

How many repeat visits does it take to break even?

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