Wallet passes for banking and fintech

Credit where it's due

A bank loyalty program in Apple Wallet and Google Wallet: rewards, cashback tier, and partner offers on a card that sits next to your customer's payment card.

Nova Bank rewards pass in Apple Wallet with October cashback, payout date, category rates and a QR code

Why your rewards belongs in Wallet

Rewards hide three taps deep in the banking app. Customers don’t know their cashback tier, and partner offers expire unseen.

Next to the payment card

Rewards sit in the same wallet customers open to pay.

Status that stays current

Tier and cashback level update on the card when your systems change them.

You choose what's shown

Show tiers, rewards, and offers — account details stay where they belong, in your app.

These are loyalty and offer passes, not payment cards — adding a bank card to Apple Pay or Google Pay is a separate process.

How banks use Wallet

Each one is a model scenario — a typical setup, not a client case study:

Rewards card for members

The enrollment event starts a journey that issues a personal card with tier and member number.

Monthly cashback status

Cashback and tier live in tags; tag sync refreshes the card when the month closes.

Partner offer

An offer pass with the partner, terms, and expiry — sent to exactly the right segment.

Onboarding milestone

Activation events update a status tag, and the card shows the next step to unlock a bonus.

Premium event invitation

An event ticket campaign issued to the top-tier segment.

Your scenario

A different flow in mind? Map it with our team on a demo — the setup is the same account either way.

One scenario, step by step

Here’s “Monthly cashback status” from both sides: what the customer sees and what your team sets up. A partner offer for a whole segment skips all of this — one shared pass from the builder.

  1. A customer joins the rewards program

    A pass campaign with shared fields (program name, terms) and personal fields (tier, cashback, member number). The enrollment event starts a journey.
    Wallet Pass Campaigns ↗

  2. They get a push with an Add to Wallet link

    Issue Wallet Pass creates the card for both wallets; Send Push adds the personal link.
    Issue Wallet Pass ↗

  3. They save the card next to the payment card

    Nothing to set up here: the pass registers for updates on its own, and the holder shows up in the customer profile.
    Apple Wallet ↗ · Google Wallet ↗

  4. The month closes — the card shows new cashback

    Your systems update the cashback tag, and tag sync refreshes the card. Or your backend calls the API.
    Tag sync ↗

Customer Journey in Pushwoosh where a rewards enrollment event issues a rewards card and a push delivers the Add to Wallet link

Safe choice

ISO 27001:2022 Certified

ISO 27001:2022

Pushwoosh meets industry standards for online security and is certified by ISO 27001:2022.

GDPR Compliant

Ensuring GDPR compliance

We maintain the highest standards of compliance with data protection regulations.

OWASP Compliant

Adhering to OWASP principles

Our platform embraces the Security by Design approach to prevent potential threats.

HIPAA Compliant

HIPAA

Pushwoosh is HIPAA compliant, ensuring the confidentiality, integrity and availability of PHI(ePHI).

SOC 2 Type 2 Certified

SOC 2 Type 2

Pushwoosh possesses a SOC 2 Type 2 report, reflecting our commitment to ensuring the utmost security of user data.

Data Privacy Framework

DPF certified

Pushwoosh is officially certified under the EU-U.S. Data Privacy Framework, including the UK extension, and the Swiss DPF.

Two ways to launch

Start without code today, automate when you’re ready — both routes run on the same account.

1. Start without code

One shared pass for everyone — one partner offer for a segment. Build it once, then drop the link or QR code into push, email, SMS, your site, or the till; allow multiple holders on Google Wallet so one link works for all.

What you’ll need:

  • Apple Wallet — a Developer Program membership and a signing certificate uploaded to Pushwoosh. No iOS app.
  • Google Wallet — a Wallet Console issuer account and a service account key.
  • Your data policy — you decide which fields the pass shows; account numbers and balances can stay off it.

2. Automate in Customer Journey

A personal rewards card for every program member: a pass campaign plus an Issue Wallet Pass step in a journey. Tag sync keeps tier and cashback live; the API covers data in your core systems.

Everything from Route 1, plus:

  • Customer data — a User ID per customer, with tier and rewards in tags or events.
  • A trigger event — the enrollment that starts the journey issuing the card.
Pass builder in Pushwoosh with a rewards campaign and a live preview of the Nova Bank pass
Customer Journey in Pushwoosh where a customer event triggers an Issue Wallet Pass step and a message sends the pass link

Already in your Pushwoosh account

A pass doesn’t deliver itself. The channels that carry it and the customer data behind it are already in your account — so the price of running Wallet looks like this.

What your Wallet setup includes

Wallet add-on fee: $0 — it’s part of the platform, your price depends on your plan.

Phone lock screen where a Wallet pass update, a push, an email and an SMS all carry the same Northwind pass

Questions banks ask before they start