Smart Transaction Systems (STS) helps small businesses sell gift cards and run the cardless Wilbur loyalty program. See features, pricing, and integrations.
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Smart Transaction Systems is an independent gift card and loyalty processor founded in 1998 and based in Boulder, Colorado. It gives small and mid-sized businesses in retail, restaurant, hospitality, education, healthcare, and government access to gift card and loyalty technology that was traditionally only affordable for large enterprises. The platform covers physical and digital gift cards (including email and text delivery), custom card printing, interactive cards with QR codes, and integrated balance-check and registration pages. Its cardless product line includes Wilbur, a card-free, app-free loyalty program that customers join with a single text message and that ties rewards to a phone number instead of a physical card. STS says its systems work with most popular POS and card-processing terminals, and the company positions itself as a migration option for merchants moving off other gift card or loyalty vendors. Pricing is not published; STS sells through direct sales consultations and custom quotes for each merchant.