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Activating Wallet-First Loyalty with Badge for iGoDirect’s Visa Programs

🔍 Overview

This proposal outlines a strategic integration between iGoDirect and Badge to power a next-generation, app-less engagement layer using Apple and Google Wallet passes. By embedding Badge’s SDK and APIs, iGoDirect can extend the value of its Visa gift card programs by issuing a branded Wallet Pass alongside each card — enabling real-time balance updates, cashback alerts, merchant offers, and more, without requiring users to download an app.

This phased approach aligns with iGoDirect’s roadmap to unify incentives, promotions, and engagement into a single, frictionless customer experience.

The rollout follows three stages:

🦀 Crawl – API-driven MVP for wallet pass issuance and dynamic updates.

🚶🏻 Walk – Embedded campaigns, merchant offers, and geofencing.

🏃🏻 Run – Scaled deployment, pass-to-card linking, and monetization.

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🦀 Phase 1: Crawl – API Integration & MVP Launch

Overview: The first phase focuses on issuing wallet passes in tandem with iGoDirect Visa cards. These passes mirror the card’s branding and display real-time balance and offer alerts — all driven via Badge’s APIs.

MVP Capabilities:

Wallet Pass Issuance – Issued alongside Visa gift cards via web provisioning.

Real-Time Balance Updates – Triggered by card transactions and displayed on the pass.

Push Notifications – Alert users of cashback, remaining balance, or merchant offers.

API-First Control – Full programmatic pass management—no manual dashboards.

Matching Card Branding – Pass design mirrors the visual identity of each card program.

Example KPIs:

KPI

Baseline

Target

Wallet Activation

TBD

XX% of issued cards include an activated pass

Balance Notification Open Rate

TBD

XX%+

Engagement Lift

TBD

% Increase in return usage or redemption

There are no rows in this table

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🚶🏻 Phase 2: Walk – Campaign Automation & Merchant Offers

Overview: This stage unlocks Wallet Pass campaigns for merchant partners. Using Badge’s platform, iGoDirect can send promotional alerts, deliver geofenced offers, and turn gift cards into longer-term engagement channels.

Enhancements:

Branded Merchant Campaigns – Cashback, offers, and seasonal campaigns delivered via Wallet.

Geolocation Targeting – Trigger pass updates or offers when a user is near a retail location.

Dynamic Offer Feeds – Show rotating offers on the pass or link to the iGoDirect cards portal.

QR Code Compatibility – For payments or redemption in supported markets.

Pass Lifecycle Control – Expire passes after gift card usage or convert them to loyalty cards.

Expansion Plan:

Launch merchant-funded campaigns (via Badge’s offer engine or iGoDirect portal)

Automate pass creation from card issuance platform

Prepare for third-party merchant self-service access

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🏃🏻 Phase 3: Run – Loyalty Conversion & Monetization

Overview: The final phase scales the platform for hundreds of merchant partners, evolving Wallet Passes into the default channel for engagement and retention.

Growth Strategy:

Card-to-Pass Linking – Seamlessly connect Visa cards to Wallet Passes or vice versa.

Pass-to-Portal Journeys – Deep link from Wallet to iGoDirect’s Cards Portal or WhatsApp bots.

Loyalty Conversion – Convert single-use passes into loyalty programs post-redemption.

Self-Serve SDK Access – Merchants build and manage passes via embedded UI or APIs.

Usage-Based Pricing – Charge partners per campaign or per active wallet pass.

Data-Driven Insights – Segment, personalize, and optimize campaigns by user behavior.

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📊 Commercial Model (AUD)

Platform Fee – Fixed monthly fee billed annually in AUD.

Active Pass Usage Fee – Charged based on passes actively installed, not just issued.

Workspaces – Segmented environments for enterprise brands, agencies, or platform clients.

SDK Access – Available at all tiers upon request.

White-Labeling – Full control over brand, URLs, and customer-facing experience.

Local Currency Billing – Pricing shown in AUD. Note this pricing mirrors Badge’s current USD price-list:

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⚡️ Pricing calculator for iGoDirect is

here⁠

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📌 Next Steps

Step

Description

Target Date

Technical Workshop

Deep dive on API integration and UI embedding

Week of May 5th

Commercial Finalization

Lock in pricing, features, and licensing terms

Week of April 28th

MVP Launch

Issue first branded passes to real cardholders

June 1, 2025

There are no rows in this table

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🔮 Summary

With over 2,000 merchant partners and growing demand for app-less loyalty and promotion tools, iGoDirect is perfectly positioned to unlock the power of the mobile wallet channel. By partnering with Badge, iGoDirect can offer Visa cardholders a smarter, stickier experience — enhancing value for merchants and users alike.

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✅ Final Considerations

Immediate:

Issue workspace access

Review APIs and start POC

Align pricing based on Guided / Partner tier flexibility

Long-Term:

Explore pass-to-card credentialing and loyalty tiers

Package Wallet-as-a-Service for merchant self-service

Convert more one-off gift card users into repeat customers

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💥 Resources

Product:

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Badge Product Deck⁠

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Badge Activation Flows⁠

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Offers Card for Banks⁠

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Interactive Ticket Rewards Flow Deck⁠

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Intelligent Travel Pass⁠

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Loyalty Application by Vertical Examples⁠

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Customers:

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Carrefour Case Study w/ Badge⁠

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Yale Case Study w/ Badge⁠

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Workspace/API / SDK

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iGoDirect Workspace⁠

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Embed/SDK Overview⁠

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Embed/SDK Documentation⁠

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API Docs⁠

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Compliance

Legal:

Badge Terms & Conditions⁠

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Security: Badge is SOC 2 Certified

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