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Strategy

Deciding how a wallet program fits your stack and your goals: build or buy, which loyalty mechanic to run, and where passes beat an app or a plastic card.

Strategy articles

8 articles
AllBasicsIdentificationEngagementEnrollmentPlatformStrategy
Strategy7 min readCreate a Pass: when the customer builds the wallet passiOS 27 lets customers scan a physical card and make their own wallet pass. It solves their problem, not yours, and it takes the slot you needed.Sep 21, 2026
Strategy6 min readBuild or buy: the real cost of wallet pass infrastructureSigning a pass is a weekend project. Keeping a million passes updated, registered and renderable across every wallet is a team. Here is the real scope.Sep 21, 2026
Strategy5 min readSwitching to Adyen? What it means for your loyalty programMerchants evaluate a payment provider on rates, reliability and reach. Adyen terminals add one more: they can read a wallet pass in the payment tap.Sep 21, 2026
Strategy7 min readSwitching wallet pass providers: what to know firstPasses already in your customers' wallets can move with you, if the migration is planned around how wallets update. What transfers, and what to ask.Sep 21, 2026
Strategy5 min readWallet passes and GDPR: what data lives in the walletThe pass in a customer's wallet holds less personal data than most assume, and where the real data lives shapes every GDPR question a merchant has.Sep 21, 2026
Strategy8 min readFive ways a wallet pass program fails, and how to avoid eachA bad pass looks fine on day one and is deleted by month three. The five decisions that decide which way it goes, and what to do differently on each.Sep 21, 2026
Strategy6 min readWhy wallet passes beat loyalty appsEvery app you ask a customer to download is a tax on joining. The wallet is already on their phone, it never needs an update, and it never churns.Sep 21, 2026
Strategy4 min readWinning back inactive members before they are goneChurn in loyalty is quiet: members do not leave, they drift. How to define inactivity, what to send, and why a pass on the lock screen makes it solvable.Sep 21, 2026

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The articles explain it. The next pages show it on the terminals merchants already run, and the merchants running it.

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The Stell platformPasses, identification and Engage in one portal and one APIEvery pass typeLoyalty, membership, tickets, coupons and more, in both walletsCustomer storiesMerchants that put the loyalty program in the wallet