Who pays for rewards
Discounts, points and settlement fees all come out of your margin; know the real cost.
Best loyalty program software for small businesses in India (2026)
A short, sourced shortlist with the method stated, published prices with dates, and an honest note on who each option suits.
Disclosure: Vega Circle is our product (D&D Technology). We have tried to be fair: competitor facts come from their official websites, linked below, with the date checked. Prices as of Oct 2026.
How we picked and compared
We compared loyalty tools that Indian businesses consider, reading each vendor's official website or pricing page on 27 October 2026. The three products work in different ways (shared network, own-brand program, enterprise rewards at checkout), so we explain the model first.
Disclosure: Vega Circle is our own product, built and run by D&D Technology. It is listed here alongside the alternatives, with its limits stated. There are no affiliate links on this page and no vendor paid to be included.
- Only vendors with an official website we could read were included; facts come from those pages.
- Prices are the vendor's published prices on the date checked. Where none is published we say "Not publicly listed".
- We did not use review-site ratings, star scores or customer counts, because we cannot verify them.
- Each option has a "best for" note, including when our own product is not the right choice.
The shortlist
Three ways to run rewards, starting with ours.
Vega CircleOur product
Vega Circle is a shared loyalty and referral network for local businesses in India, built by D&D Technology in Jaipur. Customers earn Vega Coins on their bill at one member shop and redeem them at any member business nearby, from one phone wallet (phone + OTP, no app download). Members also pass referral leads to each other and earn commission, and run WhatsApp campaigns to their own opted-in customers. Vega Coins are reward points with no cash value.
Pricing: Free: ₹0 forever: 1 outlet, network listing; Growth: ₹999/month (1 month free); Pro: ₹2,999/month (1 month free): multi-outlet, own-brand wallet, analytics
Strengths
- A free plan: 1 outlet, network listing and accepting coin redemptions at ₹0.
- Shared coins: customers earned elsewhere in the circle walk in to spend them at your shop.
- Referral board to pass and receive leads, with commission; WhatsApp campaigns on Growth.
- QR counter, one-line JS widget and REST API with webhooks; data isolated per business with OTP consent.
Limits
- A shared network is only as useful as the member businesses near you; ask how many are in your area before paying.
- A 2-3% settlement fee applies on coins redeemed at your business, on all plans.
- Shopify, WooCommerce and Tally plugins are listed as Phase 2, not available yet.
Reelo
Reelo is customer loyalty and engagement software for restaurants and retail outlets. Its pricing page lists a Forever Free plan (SMS and email campaigns, customer and business insights) and a Growth plan with a branded loyalty program, feedback, online review growth, automated and smart campaigns, QR code and a referral program, plus paid add-ons for branded memberships.
Pricing: Forever Free: ₹0/month; Growth: ₹3,250/outlet/month (FAQ: ₹39,000/outlet/year + GST); Membership add-on: commission (10% + GST) or ₹2,000/month/store subscription, plus gateway fees (Local taxes extra, per the pricing page.)
Strengths
- A branded loyalty program under your own name.
- Customer feedback and online-review growth tools.
- Automated and smart campaigns, with a free plan for SMS and email campaigns.
- Paid membership add-ons for selling memberships.
Check before buying
- Growth is ₹3,250 per outlet per month (the FAQ states ₹39,000 per outlet per year + GST), which adds up across outlets.
- A custom WhatsApp header is a paid add-on.
- Points belong to your own program; customers cannot spend them at other nearby businesses.
Source: Reelo pricing, checked 2026-10-27
Twid
Twid (twidpay.com) describes itself as an incentive and rewards platform connecting issuers, merchants, brands, fintechs and consumers. It offers "Pay with Rewards", which lets customers use reward points at checkout, and Nexus AI, which picks an incentive for each customer. It is built for enterprises, banks and loyalty programs, and does not publish merchant pricing; the call to action is "Contact Sales".
Pricing: Not publicly listed (No merchant pricing; "Contact Sales".)
Strengths
- Lets customers redeem existing reward points at checkout ("Pay with Rewards").
- Connects issuers, merchants and brands in one incentive network.
- AI decisioning (Nexus AI) to choose incentives per customer.
- Built for enterprise scale.
Check before buying
- No merchant pricing is published; enterprise sales only.
- Aimed at enterprises, banks and online checkout rather than small neighbourhood shops.
- Results claimed on its site are the vendor's own figures.
Source: Twid home, checked 2026-10-27
Side-by-side comparison
| What to compare | Vega Circle (ours) | Reelo | Twid |
|---|---|---|---|
| How rewards work | Shared coin wallet across member businesses | Your own branded loyalty program | Enterprise incentives and pay-with-rewards network |
| Free plan | Free ₹0: 1 outlet, network listing, accept redemptions | Forever Free: SMS/email campaigns and insights | Not publicly listed |
| Paid plans | Growth ₹999/month; Pro ₹2,999/month | Growth ₹3,250/outlet/month | Not publicly listed (Contact Sales) |
| Shared across businesses | Yes: earn at one shop, redeem at any member | No; points stay in your program | Issuer, merchant and brand network |
| Referrals | Referral board with commission (Growth, Pro) | Referral program | Not publicly listed |
| WhatsApp campaigns to opted-in customers (Growth) | Custom WhatsApp header (paid add-on) | Not publicly listed | |
| Reviews and feedback | Not offered | Feedback and online reviews | Not publicly listed |
| Integrations | QR + merchant app, JS widget, REST API, webhooks | QR code | Checkout integration |
| Customer data | Isolated per business; OTP consent (DPDP Act) | Not publicly listed on the pricing page | Not publicly listed |
Pricing (Prices as of Oct 2026)
Loyalty tools charge per outlet, per month, per message or as a commission. Add the plan, messaging costs and any settlement or redemption fees for a full year.
| Product | Published pricing | Source |
|---|---|---|
| Vega Circle (ours) | Free: ₹0 forever: 1 outlet, network listing Growth: ₹999/month (1 month free) Pro: ₹2,999/month (1 month free): multi-outlet, own-brand wallet, analytics Yearly billing: pay 9, get 12. All plans: 2-3% settlement fee on coins redeemed at your business. Prices in INR; taxes may apply. | Vega Circle plans checked 2026-10-27 |
| Reelo | Forever Free: ₹0/month Growth: ₹3,250/outlet/month (FAQ: ₹39,000/outlet/year + GST) Membership add-on: commission (10% + GST) or ₹2,000/month/store subscription, plus gateway fees Local taxes extra, per the pricing page. | Reelo pricing checked 2026-10-27 |
| Twid | Not publicly listed No merchant pricing; "Contact Sales". | Twid home checked 2026-10-27 |
Which one should you choose?
Reelo is the better choice for a restaurant, café or retail brand that wants its own branded loyalty program with feedback and review tools, and has the budget per outlet. If you want customers to earn at your shop and spend at neighbouring shops, which brings you new walk-ins, Vega Circle works differently.
Twid is the better choice for an online brand or enterprise that wants to accept bank and card reward points at checkout and has an enterprise budget. For a local shop that wants a simple coin wallet shared with neighbouring businesses, with a free plan, Vega Circle is built for that.
Vega Circle is the better choice for local businesses (tiffin services, jewellers, salons, kirana stores, cafés, clinics) that want shared rewards and referrals with nearby shops, with a free start. If you want a loyalty program only under your own brand with review and feedback tools, a single-brand tool may suit better.
How to decide in one week
- Write down the three jobs the software must do every day, and the one report you need every week.
- Shortlist two products at most, and ask each vendor for a demo on your own sample data, not a generic tour.
- Ask each vendor, in writing, for the full yearly cost: plan, users, add-ons, payment or transaction fees, setup and support.
- Check how you can export your data if you leave, and in which format.
- Run one real week of work in the trial or demo account before you commit to a yearly plan.
Want to see Vega Circle on your own data before deciding?
Join freeSwitching tools without losing data
You do not have to switch off your current loyalty program on day one. Many shops run both for a month, then decide.
- Export opted-in customers. From your current tool, export customers who gave consent to be contacted.
- Join free. Create your account; the team calls to activate your outlet.
- Set your earn rate. Choose how many coins a bill earns.
- Put the QR at the counter. Customers scan, confirm with OTP and see their coins.
- Honour old points. Tell customers how existing points will be honoured, and for how long.
- Review after a month. Compare new walk-ins and referrals before choosing a paid plan.
What to check in any loyalty program
Where points can be spent
Only at your shop, or across a network that sends you new customers?
Customer consent
OTP or opt-in consent before customers get messages.
Messaging costs
SMS and WhatsApp costs are often extra.
Counter speed
A reward step must take seconds at a busy counter.
Exit
Can you export your customer list if you leave?
Frequently asked questions
Which is the best loyalty program software for a small business in India?
For local shops wanting shared rewards and referrals with neighbours, Vega Circle (our product) is built for that. For a branded program with feedback and reviews, Reelo is a strong choice. For enterprise pay-with-rewards at online checkout, Twid serves that market.
Is Vega Circle independent from this list?
No. Vega Circle is our own product, made by D&D Technology. We say so at the top of the page and list its limits next to the alternatives.
How current are the prices?
All prices were checked on each vendor's official website on 2026-10-27. Vendors change prices, so confirm on their site before buying. Where a vendor does not publish a price, we write "Not publicly listed".
Do Vega Coins have cash value?
No. Vega Coins are reward points with no cash value. They cannot be withdrawn or exchanged for cash and can only be redeemed for goods or services at member businesses.
Compare Vega Circle on your own workflow. Ask for a walkthrough.
Join freeSources and how we checked
Every competitor fact on this page comes from the vendor's own website, checked on 2026-10-27. Prices as of Oct 2026. If something has changed, tell us on +91 95116 38160 and we will correct it.
- Reelo: Reelo pricing (https://www.reelo.io/pricing), checked 2026-10-27
- Twid: Twid home (https://twidpay.com/), checked 2026-10-27
- Vega Circle: Vega Circle plans (https://vegacircle.designanddevelopment.in/), checked 2026-10-27
Vega Circle is a product of D&D Technology, Near Nangal Purohitan School, Rajaswas, Sikar Road, Jaipur 302013, Rajasthan. Product names belong to their owners; their mention here is for comparison only.
+91 95116 38160 · dinesh@designanddevelopment.in · vegacircle.designanddevelopment.in · D&D Technology