---
title: Open Loop | LocalCard for Business
description: Open Loop cards can be spent anywhere Visa is accepted, in store or online. Placeholder description.
image: https://www.localcard.io/hubfs/localcard-og.jpg
---

[For shoppers](https://www.localcard.io/?hsLang=en-au) [For business](https://www.localcard.io/business?hsLang=en-au)

[For Business](https://www.localcard.io/business?hsLang=en-au)

Platform

Core products

[**Scan to Pay**Cards that unlock when a customer scans your product.](https://www.localcard.io/business/scan-to-pay?hsLang=en-au)**Brand Lock**Keep spend at one merchant, a group of merchants or an entire brand.**Category Lock**Restrict spend to the categories you choose, like dining or fuel.**GEO Locked**Cards that only activate at a chosen store, centre or precinct.**Open Loop**Cards that can be spent anywhere Visa is accepted.

Platform

**Merchant Connect**Accept LocalCard at your stores and see redemptions live.**Reseller**Sell LocalCard programs to your own clients under your brand.

[Featured ![](https://www.localcard.io/hubfs/stp.svg) **Scan to Pay** Turn any product into a reward. Scan the barcode to unlock & pay. *Learn more →*](https://www.localcard.io/business/scan-to-pay?hsLang=en-au)

Resources

[VISA**Blog**Product updates, campaign ideas and what we're learning about programmable payments.*Read the blog →*](https://www.localcard.io/business/blog?hsLang=en-au)[![](https://www.localcard.io/hubfs/breakagereport.svg)**Breakage Report**Our data on unspent gift card value in Australia and what it means for your programs.*Read the report →*](https://www.localcard.io/business/breakage-report?hsLang=en-au)**Case studies**How brands and retailers are running promotions on LocalCard.*See case studies →*

[Pricing](https://www.localcard.io/business/pricing?hsLang=en-au) [Help centre](https://www.localcard.io/business/help?hsLang=en-au)

[Sign in](https://dashboard.localcard.io) [Get Started](https://www.localcard.io/login/sign-up?hsLang=en-au) [Contact sales](https://www.localcard.io/business/contact-sales?hsLang=en-au)

Open Loop

# Spend it anywhere Visa is accepted.

Open Loop cards work at any business that takes Visa, in store or online. Placeholder copy.

[Get Started](https://www.localcard.io/login/sign-up?hsLang=en-au) [Contact sales](https://www.localcard.io/business/contact-sales?hsLang=en-au)

![](https://www.localcard.io/hubfs/open-loop-globe-poster.webp)

How it works

## How Open Loop works

Watch video

1. 1

   ### Choose an amount
   
   Set the value of each card and who it’s for. Placeholder copy.
2. 2

   ### Send it
   
   Deliver cards by SMS or email in seconds. Placeholder copy.
3. 3

   ### Spend it anywhere
   
   Recipients spend anywhere Visa is accepted, in store or online. Placeholder copy.

## Set your rules, *control your breakage.*

**Card rules** 3 categories

Amount Expires

**Electronics store**Declined · not an allowed category

### Card Programming

Set the amount, expiry and exactly which categories each card can be spent at. Anything outside them is declined automatically.

Expired LocalCard Unspent**$0.00**

Your account

$0.00

+$0.00 returned

Card loaded

Spent at allowed merchants

Unspent, returned to you

### Spend & Breakage Management

Cancel a card at any time, and any unspent balance comes straight back to you when a card is cancelled or expires.

## Better tools,*for better business.*

Everything you need to brand, send and automate your cards.

- **Your brand** **Your brand** **Your brand**

  Your brandYour brandYour brand
  
  Your gift card is ready
  
  $50.00Add to wallet

  ### Branding
  
  Make every card yours. Add your logo, colours and card artwork, and brand the claim page and emails your recipients see.
- **SMS**Your $50 Café card is ready to claim.
  
  **Email**Acme Co sent you a gift card
  
  Delivered Opened Added to wallet

  ### Delivery
  
  Send it your way. Deliver by SMS, email or both, schedule sends, and get notified when cards are delivered, opened and added to a wallet.
- ```
  POST /v1/cards{ "category": "cafe",  "amount": 50 }✓ 201 Created
  ```

  **Cards**Issue cards
  
  ![](https://www.localcard.io/hs-fs/hubfs/lc-brand-art-cafe.webp?width=540&height=340&name=lc-brand-art-cafe.webp)CaféJess M.$50Active
  
  ![](https://www.localcard.io/hs-fs/hubfs/lc-brand-art-fashion.webp?width=540&height=340&name=lc-brand-art-fashion.webp)FashionSam L.$100Delivered
  
  ![](https://www.localcard.io/hs-fs/hubfs/lc-brand-art-bar.webp?width=540&height=340&name=lc-brand-art-bar.webp)BarAlex K.$25Opened

  ### Dashboard or API
  
  Issue and manage cards from your dashboard, or straight from your CRM, HR or rewards platform with our REST API and webhooks.

## Secure by design

Every card runs on the Visa network, with controls you set and security built in from day one.

Payment network

Banking infrastructure

LocalCard platform

Verified

Payment approved

SupermarketApproved

!High-risk merchantBlocked

CaféApproved

!Known scam patternBlocked

**Enter your code**We sent a 6-digit code to your phone.

*4•8•2•9•1•6•*

Verified

### Built on banking-grade security

Cards run on established banking and payment infrastructure, with security built in at every layer.

### Apple & Google Pay security

Cards live in Apple Pay and Google Pay, so every payment is protected by your phone's own security: Face ID, a fingerprint or the passcode. If the phone is lost, the card stays locked.

### Smart blocking

High-risk industries and merchant types linked to common scams are blocked, for better security.

### 2 Factor Authentication

Sign-ins are protected with a second step, such as a one-time code, so a stolen password on its own isn’t enough.

**9:41** ![](https://www.localcard.io/hs-fs/hubfs/lc-wallet-card.png?width=540&height=368&name=lc-wallet-card.png)

**Done**

**9:41** **Checkout**Acme Store

Order total**$48.00**

Card •••• 7712

![](https://www.localcard.io/hubfs/lc-applepay-mark.svg)

**Order confirmed**

**9:41** ![](https://www.localcard.io/hs-fs/hubfs/lc-wallet-card.png?width=540&height=368&name=lc-wallet-card.png)

**Done**

**9:41** **Checkout**Acme Store

Order total**$48.00**

Card •••• 7712

![](https://www.localcard.io/hubfs/lc-googlepay-mark.svg)

**Order confirmed**

Wallet · now**Card added to your phone**

Link · email**No app needed**

Digital wallet

## 100% digital.Spend it online or in store.

Cards land straight in Apple Wallet or Google Wallet. Shop online, or tap to pay in store. No plastic, no app.

- No app needed
- No plastic
- Works online

![Apple Pay](https://www.localcard.io/hubfs/applepay-square.svg)![Google Pay](https://www.localcard.io/hubfs/googlepay-square.svg)![Visa](https://www.localcard.io/hubfs/visa-square.svg)

## Start issuing today

Sign up in minutes, set your rules and check pricing before you send a single card.

[Get started](https://www.localcard.io/login/sign-up?hsLang=en-au) [See pricing](https://www.localcard.io/business/pricing?hsLang=en-au)

## Other card types

[![](https://www.localcard.io/hubfs/stp.svg) **Scan to Pay**Rewards that unlock when a customer scans your product.Learn more](https://www.localcard.io/business/scan-to-pay?hsLang=en-au)

![](https://www.localcard.io/hubfs/brand-lock-tile.webp)

**Brand Lock**Keep spend at one merchant, a group of merchants or an entire brand.Coming soon

![](https://www.localcard.io/hubfs/geolockedtile.png)

**GEO Locked**Cards that only activate at a chosen store, centre or precinct.Coming soon

![](https://www.localcard.io/hubfs/category-lock-tile.webp)

**Category Lock**Cards that can only be spent in the categories you choose.Coming soon

<https://www.localcard.io/business?hsLang=en-au>

The programmable payments platform. Decide exactly how every dollar is spent.

[Get started](https://www.localcard.io/login/sign-up?hsLang=en-au)[Contact sales](https://www.localcard.io/business/contact-sales?hsLang=en-au)

#### Platform

[Scan to Pay](https://www.localcard.io/business/scan-to-pay?hsLang=en-au)Open LoopBrand LockedGEO LockedCategory LockedMerchant ConnectReseller

#### Resources

[Pricing](https://www.localcard.io/business/pricing?hsLang=en-au)[Blog](https://www.localcard.io/business/blog?hsLang=en-au)[Breakage Report](https://www.localcard.io/business/breakage-report?hsLang=en-au)[Help centre](https://help.localcard.io)

#### Company

[Contact sales](https://www.localcard.io/business/contact-sales?hsLang=en-au)[Sign in](https://www.localcard.io/login?hsLang=en-au)[For shoppers](https://www.localcard.io/?hsLang=en-au)

#### Legal

[Terms](https://www.localcard.io/business/terms-and-conditions?hsLang=en-au)[Privacy](https://www.localcard.io/privacy?hsLang=en-au)

© 2026 LocalCard. All rights reserved.Visa is a trademark of Visa International Service Association. Apple Pay and Google Pay are trademarks of their respective owners.