Gift Card Program for Merchants

Whether you need a solution for one location or a dozen, gift cards can help to generate new revenue and increase brand exposure.

Offering gift cards as a payment option can lead to higher sales.

According to research conducted by Blackhawk Network, 91% of consumers surveyed have purchased a gift card, either for themselves or for someone else. And, 59% of consumers typically spend more than the card's value. In fact, $38.6 billion is spent on gift cards just during the holiday season.

Boost your business by branding your own gift cards.

Put simply, branded gift cards can be very good for business. They’re a smart marketing tool with multiple benefits.

  • Promote your business to new customers
  • Increase traffic in your store or on your website
  • Reward loyal customers, encouraging them to spread the word about your business
  • Potentially increase average sales

M&T makes launching a gift card program easy.

You don’t have to be a major retailer to offer your own company gift card. We can provide you with everything you need through our partnership with a leading gift card provider.

  • Gift Card Processing. Process cards with an integrated POS, terminal or virtual terminal
  • Gift Card Production services. Choose from custom branded or pre-designed cards
  • Customizable Card Settings. Set parameters for your cards
  • Gift Card Transaction Types. Accommodate a wide range of transaction types from activation, to redemption, reload, and more
  • Pre-Authorization. Support tip adjustments
  • Gift Card Management. Control card usage and mitigate fraud
  • Virtual Card Parameters. Establish virtual cards for online sales
  • Robust Gift Card Reporting. Gain valuable insight into gift card sales, usage, transactions, and more
  • Multi-Store ACH and Cross-Store Reconciliation. Easily reconcile sales between business locations
  • Fulfillment Services. Set up card fulfillment services to send cards to stores or consumers on your behalf


Learn more.

Talk to your Merchant Services Business Consultant for more information on how gift cards can help your business.

The State of Consumer Gift Card Preferences in 2018, Blackhawk Networks
Retail Gift Card Trends in the United States: 2016 In Review. Mercator Research
M&T Bank Merchant Services® are available subject to completion of a Merchant Services application and credit approval. Merchant Services are provided subject to the terms and conditions of M&T Bank's Merchant Services Agreement. Availability of funds is subject to M&T Bank's Funds Availability Policy. Additional terms and conditions apply.
Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for full details.