North branchSale
50 €
Sells the gift card at checkout or through the central online shop. The sale is credited to the North branch.
Sold in branch A, redeemed in branch B.
The gift card system for franchises and multi-site chains. Every gift card works everywhere, every transaction is assigned to the right location, and settlement between all parties is automatic – whether you have two, 20 or 2,000 branches.
What sets a multi-location business apart from a single store
In a multi-location business, a gift card is often sold in one place and redeemed in another. One location takes the money, another hands over the goods. Without a system, that means manual work: lists, phone calls and credit notes at the end of the month.
gurado Networks assigns every transaction to a location and settles between the parties based on your rules. Gift card management, reporting and internal settlement are fully automated.
One €50 gift card, three locations
Bought at the North branch, half redeemed in the South, the rest in the West. Here is how gurado records it.
Headquarters
Sees every step with branch, amount and time. At the end of each period, this produces the settlement for each branch and the payout file.
South branchPartial redemption
30 €
Redeems €30. The remaining €20 stay on the card for the next visit.
West branchFinal redemption
20 €
Redeems the last €20. The gift card is now used up – and every step remains traceable.
North took the money; South and West handed over the goods. gurado works out who owes whom, based on rules you set up once. No more spreadsheets.
Two views of the same data
Everyone works from the same data. Headquarters sees the whole network; each branch sees its own business.
Headquarters
Branch or franchisee
What you see
All locations at a glance: sold, outstanding and redeemed values, plus reports by branch and period.
Your own business: your revenue, outstanding balances and redemptions – any time, in your own login.
What you can do
Design the shop, gift card templates and rules for the entire network.
Sell, check, activate and redeem gift cards, at the counter and through the shop.
Settlement
Define commissions, cost shares and payouts.
Your own statement at the end of each period – no need to ask headquarters.
Permissions
Assign access rights and define where a gift card can be redeemed.
Works within the limits set by headquarters.
What structure do you have?
How settlement works depends on who owns the gift card business. Here are three setups we see in practice.
All locations belong to one company. Headquarters runs the gift card business; the branches sell and redeem.
AdministrationFully centralized: one team manages the shop, designs and rules.
VisibilityBranches see their own transactions; headquarters gets monthly reports.
SettlementInternal transfers between locations, no external payouts.
EffortCreate a new branch, activate it – done. No separate setup per location.
Partners run their own businesses under your brand. Real money flows between companies, not just between cost centers.
AdministrationEach franchisee has their own login with full visibility of their own business.
VisibilityEach partner gets their own statement; headquarters gets the big picture.
SettlementCommissions on sales and redemptions are fully configurable and settled automatically.
PayoutSEPA file at the end of each period – import it into online banking and pay out with one click.
Company-owned branches and partner businesses side by side, sometimes with different rules and settlement cycles.
AdministrationBoth models run side by side in the same system, configured per participant.
VisibilityPermissions and visibility are set per location, including for regional managers.
SettlementCommission rates and cost shares can differ by group.
LimitsRedemption restrictions, if some locations should only accept their own gift cards.
One settlement period, no rework
Set up cycles and reports once – then every period runs the same way.
1
Transactions happen
Sales, activations and redemptions are recorded with location and time.
2
Automatic closing
Each branch's period closes on the set date – nobody has to remember it.
3
Reports per location
Every participant gets their own statement; headquarters gets an overview of all cash flows.
4
SEPA and payout
gurado creates the SEPA file for your online banking, with commissions and cost shares already included.
Optionally with a PSD2-compliant e-money solution
If your gift card program has to be regulated, we run it as a regulated scheme for you – including safeguarding, contracts and supervision.
- Gift card funds safeguarded in trust accounts
- One simple set of contracts for all participants
- Quick onboarding and identity verification
- Compliance with all relevant BaFin (German financial regulator) rules
What you set up once
You define three things at the start. After that, each new branch takes just a few clicks.
Locations and access
You create each branch with its own login and decide who can sell, redeem and see figures.
- Separate login per location
- Permissions per role
- Add a new branch at any time
POS and online shop
Ready-made plugins are available for common POS and shop systems. Everything else connects via the API.
- Sales at the counter and in the shop
- Redemption directly at checkout
Additional modules
Tickets, discounts and loyalty programs share the same management and location data. Switch them on when you need them.
- No second setup needed
- Settlement runs in the same cycle
FAQ for multi-site chains and franchises
Redemption, settlement, reporting and regulation.
Yes. Every gift card can be activated and redeemed, in full or in part, at any store or branch – no matter where it was bought.
Internal settlement is fully automated. Settlement periods close automatically, gurado creates SEPA files for your online banking and calculates commissions and cost shares based on the rules you set.
Yes. Every gift card has a complete history – from sale and activation to every single redemption, each with its location.
If your gift card program must be run as a regulated scheme, we hold the funds in trust accounts, provide one set of contracts for all participants and cover the required BaFin (German financial regulator) rules.
Each branch is set up in gurado with its own login and access to its own gift card figures. Access and redemption restrictions can be set per participant.
Yes. Gift cards, tickets, discounts and loyalty programs are all managed in the same system. Discount campaigns can be limited to specific points of sale, and reports are available per location.