Free up to 50 customers
A complete program, one shop, no credit card. Enough to find out whether your regulars are interested before you pay anything.
Comparison · Cartia vs Loyeo
Cartia vs Loyeo: the honest comparison
Loyeo lists €29 for its Basic plan - but excluding tax, i.e. €34.80 incl. VAT per month. Cartia’s Pro is listed at €29.90 tax included: at a comparable scope, one shop and unlimited customers, Cartia is the cheaper of the two. What really sets them apart is what each one includes: Loyeo counts your WhatsApp and SMS messages and has you buy packs beyond the quota, whereas Cartia includes notifications on the card in the plan.
Loyeo is a loyalty platform focused on customer relationships over WhatsApp and SMS, with a capped free plan, two paid plans listed excluding tax, and messages billed in packs beyond the quota.
Loyeo serves the French market. Its offers and prices below are those published on its French-market website, in euros, and Cartia’s prices are shown in euros too so that the amounts can be compared like for like. Offers and availability may differ outside France.
Head to head
Cartia and Loyeo, point by point
| Criterion | Cartia | Loyeo |
|---|---|---|
| Listed price | Free €0 · Pro €29.90/month (14-day trial) · Business €59.90/month, 3 locations included, then €10/month per extra shop (14-day trial) · all prices tax included | Découverte €0 (100 customers, card in Loyeo’s colors, no campaigns) · Basic €29/month excl. VAT (≈ €34.80 incl. VAT), 1 location · Loyeo Pro €49/month excl. VAT (≈ €58.80 incl. VAT), 3 locations · prices listed excluding tax |
| Approximate first-year cost (1 shop) | €0 on Free · Pro €358.80 tax included for 12 monthly payments; €287.04 tax included with annual payment (−20%) | Basic: €348 excl. VAT (€417.60 incl. VAT) for 12 monthly payments; €278.40 excl. VAT (€334.08 incl. VAT) with annual payment (−20%) · excluding message packs |
| Setup fees | €0 - no installation fees | €0 - no setup fees |
| Permanent free plan | Yes - up to 50 customers, no credit card required | Yes - Découverte, up to 100 customers, but with no campaigns or messages and a card in Loyeo’s colors |
| App customers must install | No - the customer scans a QR code and everything happens in the browser | No - but sign-up goes through the customer’s phone number, then WhatsApp |
| Apple Wallet / Google Wallet | Yes - added directly to Apple Wallet and Google Wallet | Yes - Apple Wallet and Google Wallet |
| Getting started | Program created online, printable QR kit generated | Online, self-serve |
| Commitment / dependency | Monthly with no commitment; annual paid in one go for 12 months · scanning from a browser or Cartia Counter | No commitment month to month · the bill follows what you send: message quota, then packs to buy again |
Public sources for Loyeo checked on October 3, 2026. Prices are given for information only and have no contractual value: check their current price list on their website. Rows marked “to check” are those where we did not find clear public information - we prefer to say so rather than guess. Cartia’s prices come from our public catalog.
Sources: Tarifs Loyeo
What changes with Cartia
Four concrete differences
Pro at €29.90/month, all included
14-day trial, then a flat fee: unlimited customers, no overage charges and no message credits to top up. A credit card is required to start the trial. Your bill doesn’t change when your traffic goes up.
€0 setup fees
No installation package to pay for before your first customer. You create the program, print the QR kit, and get started.
No app for customers
The customer scans the QR code at the counter and joins the program from their browser. No download to negotiate during the rush.
Straight talk
When Loyeo is the right choice, and when Cartia is
Loyeo’s strengths
- The Découverte free plan goes up to 100 loyal customers, no credit card required - further than the 50 customers of Cartia’s Free plan. The card carries Loyeo’s colors there and campaigns are excluded.
- Loyeo Pro includes 3 locations for €49 excl. VAT (€58.80 incl. VAT) per month, against €59.90 tax included for Cartia Business: the difference is €1.10 per month.
- WhatsApp and SMS are offered with an included quota. Loyeo and Cartia both offer −20% with annual payment.
Choose Loyeo if WhatsApp and SMS are your main channels; for two or three locations, its Pro costs €1.10/month less than Cartia Business (tax-included prices), before additional message packs.
Where Cartia keeps it simple
- For one shop, compare the amounts actually billed: Cartia Pro €29.90/month tax included against Loyeo Basic €34.80/month incl. VAT; on annual payment, €287.04 tax included at Cartia against €334.08 incl. VAT at Loyeo.
- Your follow-ups are a consumable: 100 WhatsApp or SMS messages included per month in Basic, 300 in Loyeo Pro, then packs to buy again from €20 excl. VAT. At Cartia, notifications on the card and automatic follow-ups are included in Pro at €29.90/month tax included: no counter, no packs.
- The free plan stops short of marketing: no campaigns, no messages, and the card carries Loyeo’s colors. Cartia’s Free plan caps out earlier in number of customers, but the card is already in your colors and your name in Apple Wallet and Google Wallet, with no credit card.
- Sign-up asks for the customer’s phone number, then goes through WhatsApp: one more step at the counter, and a consent to manage. With Cartia, the customer scans a QR code, stays in their browser and adds their card to Wallet.
Choose Cartia if you run one shop, you want a card in your colors from the free plan, then a lower tax-included price than theirs with notifications on the card included - no message quota and no packs to buy again.
Transparency
What Cartia openly acknowledges
A comparison that only lists its own advantages helps no one. Here is where Cartia openly stands today.
- The Free plan is a real program, not a demo: Apple Wallet and Google Wallet are included from €0. CSV export, campaigns on the card and staff accounts start with the Pro plan. Email campaigns are coming soon.
- The Pro plan covers one shop. Beyond that, you need the Business plan: 3 shops and 3 programs included for €59.90/month tax included, then €10/month tax included per additional location, with no limit on the number.
- Cartia is a young platform: we don’t publish customer case studies or revenue figures that we couldn’t back up.
Frequently asked questions
Cartia or Loyeo: the questions that come up
How much does Loyeo really cost compared to Cartia?
One shop: Loyeo Basic €34.80/month incl. VAT against Cartia Pro €29.90/month tax included. Three shops: Loyeo Pro €58.80/month incl. VAT against Cartia Business €59.90/month tax included. Both offer −20% on annual payment: Cartia Pro €287.04/year tax included, Loyeo Basic €334.08/year incl. VAT; Cartia Business €575.04/year tax included, Loyeo Pro €564.48/year incl. VAT. Loyeo’s WhatsApp/SMS packs are extra if the quota is exceeded. Prices checked on October 3, 2026.
Does Loyeo have a free plan?
Yes, a Découverte plan at €0 for up to 100 loyal customers at one location, no credit card required - but with no campaigns or marketing messages, and the card carries Loyeo’s colors. Cartia’s Free plan stops at 50 customers; in exchange, the card shows your colors and your name from €0 in Apple Wallet and Google Wallet, and you keep the same account when you move up to Pro.
Does Cartia send campaigns to my customers?
Yes, and with no counter. Cartia sends notifications to the card held in Apple Wallet or Google Wallet, along with automatic follow-ups - all included in Pro at €29.90/month tax included, with no credits to top up and no per-message cost. Email campaigns are coming soon. Cartia does not use WhatsApp or SMS: if sending conversational messages is your main need, a messaging-oriented platform will remain a better fit.
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