This document discusses loyalty, reward, and gift card programs for merchants. It notes that such programs help merchants compete with big box retailers by increasing revenue and retention rates through cost-effective programs. Statistics show that loyalty programs can increase same-store sales by 4.5% and average purchases by 24%. Gift card programs typically see 75% of card values ultimately spent, with an 18% "breakage" rate. The document then outlines various types of programs and features that merchants should consider to grow their business by keeping and attracting more customers.