What’s a Closed Wallet and Why More Cafés Are Using It

The term “closed wallet” might sound technical — but it’s one of the smartest moves a café or bakery can make in 2025.

A closed wallet is simply a digital balance that your customers load and use only at your business. It’s like a gift card — but smarter, more flexible, and fully digital.

Why Should You Care About Closed Wallets?

Because every card tap costs you money. Every online order takes a cut. And every micro-transaction chips away at your margins.

With a closed wallet:

• You reduce third-party transaction fees

• Customers preload their balance, so the money is already in your ecosystem

• You gain better predictability in daily sales

It’s Not Just About Savings — It’s About Loyalty

When customers top up their balance, they’re committing to return. It turns one-time visitors into repeat customers by default.

Even better? You can incentivize balance top-ups:

• Add 10% extra for every €20 added

• Offer discounts when paying with wallet balance

• Combine it with loyalty rewards or free birthday drinks

What It Looks Like in Practice

A customer walks in. They scan your QR code. Their app shows their balance. They pay instantly, collect loyalty points, and walk away happy.

Meanwhile, you:

• Skip transaction fees

• Reduce cash handling

• Improve checkout speed

• Keep the customer in your ecosystem

Zelio Makes Closed Wallets Effortless

With Zelio, every business gets a fully branded mobile app that includes:

• Digital wallet with top-up system

• Integration with your Stripe or local payment gateway

• Balance-based rewards and analytics

• Real-time transaction tracking and AI-driven suggestions

All the benefits of a big-brand experience — at a fraction of the cost.

Why Now Is the Time to Offer One

The hospitality industry is going digital. Customers are getting used to frictionless payments. And loyalty expectations are higher than ever.

With a closed wallet system:

• You save money

• You grow loyalty

• You gain control

Zelio helps you own the payment experience — not just the product.

If you’re ready to reduce fees and boost customer value, a closed wallet might be your café’s best next step.