Short answer: an own app gives you full control, and you pay for it with store fees, development, upkeep and the effort of getting every customer to install it. Fidelia is a ready-made loyalty card in Apple Wallet and Google Wallet from 299 kr a month. Build an app if loyalty is only part of something bigger, like ordering or booking; choose Fidelia if you want loyalty running this week.
How do they compare?
Fidelia prices per month excluding VAT, as published on 25 October 2026. We give no build cost for an own app: it depends on who builds it and what it should do.
| — | Fidelia | Own app |
|---|---|---|
| Monthly cost | Essential 299 kr, Pro 599 kr | Running costs, updates and support, depending on your developer |
| Apple developer account | Not needed | 99 USD per membership year (price may vary between regions) |
| Google Play account | Not needed | 25 USD, one-time fee |
| Development | None, you create the card yourself | Design and build, cost depends on the project |
| Customer installs an app | No | Yes |
| Apple Wallet and Google Wallet | Yes | Only if you build it |
| Time to launch | Minutes | Depends on the project and on store review |
| Updates for new phone versions | Handled by Fidelia | Your responsibility |
| Push notifications | Pro 599 kr | Only if you build it |
| Ordering, booking, custom features | No | Anything you design |
| Full control over design and data | Your colours, logo and rewards | Yes |
| Customers and scans | Unlimited on all plans | Your own limits |
| Trial | 14 days of Pro | Not applicable |
| QR stand | First one included and delivered | You design and print it |
Where is Fidelia stronger?
- Nothing to build. Choose a reward, upload your logo and the card is running the same day.
- No download barrier. One scan at the till puts the card in the Wallet, where it shows on the lock screen when you send a push in Pro.
- No store accounts. You skip the developer accounts at Apple and Google and the review on every update.
- No upkeep. New phone versions and Wallet changes are Fidelia’s job.
- Predictable cost. 299 kr or 599 kr a month, no set-up fee, unlimited customers and scans.
- Built-in loyalty rules. Stamps, redemptions and corrections go through one consistent system, and staff scan at the till with no link to the till system, Swish or Zettle.
- The QR stand is included. Your first A5 stand is delivered with the card.
Where is an own app stronger?
- Full control. Every screen, feature and data field is yours.
- More than loyalty. Ordering, booking, menus or anything else you want in one place.
- Your brand in the app store. Your own icon on the customer’s home screen.
- No dependence on a supplier for the product roadmap.
Who should build an own app?
A chain or business with an existing digital product, a development budget and a team to maintain it, where loyalty is a feature in a larger customer experience. Even then, a Wallet card can run alongside, as an easy first step for customers who don’t want to install anything.
Who should choose Fidelia?
Fidelia suits independent shops, cafés and salons that want customers back now, without a project. Stamping needs internet. See the pricing page for all plans.
How do you start without building anything?
- Create your Fidelia card with your reward, colours and logo, and start the trial of 14 days of Pro.
- Put the QR stand by the till and ask at payment: “Would you like our card on your phone?”
- See what customers respond to: rewards, push messages, offers for quiet days.
- Decide later whether an own app is still needed, with real customer data behind the decision.
More comparisons: Fidelia vs paper cards, Fidelia vs Stampioo or the Swedish homepage.