Cockato is a digital loyalty platform that enables businesses to create loyalty cards for Apple Wallet and Google Wallet without requiring customers to install a mobile app. Businesses can run points-based rewards, stamp cards, and membership programs that update in real time inside customers’ mobile wallets. Staff can scan loyalty card barcodes using the Cockato scanning app to add points or punches instantly at checkout. Cockato helps retailers, cafes, salons, gyms, clinics, and multi-location businesses improve customer retention by replacing plastic loyalty cards and traditional mobile-app loyalty programs with wallet-based loyalty experiences.