Quardy vs FidMe
FidMe is a loyalty card marketplace, Quardy is a native loyalty card in the Wallet. Two very different approaches to the same need.
Download for freeThe angle of attack: marketplace vs native Wallet
The philosophical difference matters more than the feature-by-feature comparison. FidMe is a marketplace: your loyalty card lives in an app that groups hundreds (thousands) of other cards from every brand. Quardy is a standalone card: your card goes into the customer's native Wallet (Apple Wallet, Google Wallet), isolated from other loyalty cards, with your branding.
Comparison table
| Quardy | FidMe | |
|---|---|---|
| Where the customer's card lives | Apple Wallet or Google Wallet | FidMe app (to install) |
| App to install on customer side | Yes, None | No, FidMe app required |
| Card branding | 100% your business | FidMe layout + your logo |
| Marketplace effect (visibility) | No, No marketplace | Yes, FidMe directory |
| Entry price | Free up to 50 customers | Variable depending on plan |
| Balance update | Auto in the Wallet (silent push) | In the FidMe app |
| Customer sign-up friction | Scan QR + 'Add to Wallet' (2 taps) | Install FidMe + create account + scan |
| Customer data | 100% yours | Shared with FidMe |
| Push notifications | Yes, Pro €9.99 included | Yes, Depending on plan |
| Gift cards | Yes, Included in Pro (€9.99/month) | No, Not in the merchant plan |
Comparison updated August 2026
When to choose which
Choose Quardy if...
- 1.You want a card with your brand (not inside a third-party environment)
- 2.You want to minimise sign-up friction (zero app to install)
- 3.You want to keep full control of your customer data
- 4.Your clientele leans premium and appreciates smooth experiences
- 5.You're starting out and don't want to depend on a marketplace
Choose FidMe if...
- 1.You're relying on the visibility of the FidMe directory to acquire new customers (several million users in France)
- 2.Your customers already use the FidMe app for other cards — adding yours is immediate
- 3.You want to leverage a mature, well-established platform with over 10 years on the market
- 4.You value the fact that FidMe also handles digital coupons and receipts inside the same app, beyond loyalty
- 5.You want a recognised, long-standing partner in the French retail ecosystem
The app debate: one card vs a Wallet
The decisive argument for many merchants is customer-side sign-up friction. With FidMe, the journey is: 'Download the FidMe app — Create your account — Search for our business in the marketplace — Scan your card.' 4 steps, hence a high drop-off rate.
With Quardy: 'Scan this QR code with your camera — Tap Add to Wallet.' 2 steps, in an app that's already installed. The conversion rate is mechanically higher.
The only moment FidMe wins is if your customer already has the FidMe app for other businesses. In that case, adding your card is fast. But that assumes a pre-installation you don't control.
Frequently asked questions
Quardy vs FidMe: what's the difference for the end customer?
With FidMe, the customer installs a marketplace app that potentially groups hundreds of loyalty cards from various brands. With Quardy, the customer installs nothing: their loyalty card goes straight into Apple Wallet or Google Wallet, apps already pre-installed on every modern smartphone.
Is FidMe free for merchants?
FidMe offers plans for merchants starting at a certain monthly price (check their site for current pricing). Being in the marketplace gives you visibility with the existing FidMe community, but in exchange your programme is mixed in with thousands of other businesses.
Does Quardy offer FidMe's 'marketplace' effect?
No, and that's by design. Quardy doesn't aim to become a loyalty card marketplace. Your programme stays 100% yours, your card carries your brand, and your customers are your customers (not Quardy's).
FidMe has a big user base — can it help discover my business?
FidMe does indeed count several million users in France. The question is: how many of them actually discover new businesses in the directory? For the vast majority of users, FidMe is used to store cards from businesses they already know, not to discover. The marketplace effect is therefore more limited than it appears.
Try Quardy for free
50 customers free, 2-minute setup, no commitment.