Factor4 is a leading stored-value solution that empowers businesses of all sizes to identify and monetize customer loyalty. Our API, RewardOS, allows for effortless feature-rich integration to a wide range of point-of-sale devices.


Factor4 is a leading provider of stored value solutions for the entire merchant ecosystem. Whether you are a Fortune 500 company, or a Small to Mid-Sized Business (“SMB”), we have the flexibility to create a bespoke solution to fit your needs.

Our competitive edge is realized by the fact that we operate a vertically integrated technology platform that securely processes all loyalty transactions in real-time at the point-of-sale. Our team specializes in the design, implementation, and distribution of custom gift & loyalty cards on behalf of our clients. In addition, we provide a full range of ancillary marketing services, card fulfillment, and re-order assistance. We also provide business consultation to create the most effective gift and loyalty program to increase sales and profit.


Factor4 was founded by a team of top payment service leaders with over 75 years of merchant service and gift and loyalty expertise. Our senior team and Board of Directors have been successful entrepreneurs, C-suite executives, and trusted consultants within the payment processing industry. The four managing partners behind Factor4 are Jim Battista, JT Dominick, Craig Davis, and Dan Battista.

Dan Battista, CEO and Partner
Dan oversees the day-to-day management of Factor4. He has over 10 years of experience as a C-level executive with top gift and loyalty companies. Dan has formed an experienced team of gift and loyalty professionals at Factor4 to drive sales and provide top-notch support to partners and merchants. His focus is on developing partnerships with ISOs and credit card processors to deliver the highest profitability. He works with technology partners to further enhance Factor4’s best in class gift and loyalty software platform. He is always looking for new technology partners to expand Factor4’s cutting edge gift and loyalty platform via the integration of new tools and customer intelligence to maximize revenue and profitability for partners. Dan has a B.S. in Accounting from Drexel University and an MBA in Marketing from Widener University. He enjoys spending time with his family, playing baseball and golfing.

Michael Pettit, Technical Director
Michael assists with the day-to-day management of Factor4. He provides technical assistance to ISO’s and their merchants including terminal, program, and setup support. He provides training on Factor4’s programs, functionality and technology. Michael graduated from Temple University with a bachelor’s degree in criminal justice. He is an avid sports fan.

Greg Clark, Director of Sales and Operations
Greg is responsible for managing all aspects of sales and operations for Factor4 including technical support, card design and card printing. He works closely with ISO’s, partners and merchants to ensure that all of their unique needs are met. He has been with Factor4 since its inception. Greg has over 12 years of experience in the gift and loyalty arena with specific expertise in sales and customer service. He has over 20 years of experience in payment services. He enjoys spending time with his family and playing the guitar.

Patty Stevenson, Director of Administration
Patty is responsible for Factor4’s customer service. She also manages accounts payable and accounts receivable. Patty has been with Factor4 since its inception. She has over 12 years of experience in customer service with top gift and loyalty companies. She enjoys keeping active with her family.

Robert Fry, Art Director
Robert manages the art process where he serves as a liaison between merchants and artists for the production of custom card and collateral art. He also assists in supporting merchants and ISO’s with terminal downloads as well building merchant profiles and coordinating programs to operate on the platform. He manages Factor4’s YouTube channel which features instructional videos for terminal operations, downloads, and Factor4’s web applications. He enjoys movies, art and coaching youth football.

Aimee DuCasse, Marketing Director
Aimee directs the marketing initiatives for Factor4 including campaign implementation, public relations and social media management. She has over 9 years of marketing experience in payment services with specific expertise in gift and loyalty marketing. Aimee graduated Magna Cum Laude with a B.S. in Marketing from Penn State and pursued an MBA in Marketing from Drexel University. She enjoys traveling and staying fit.


Factor4’s API, RewardOS, provides our clients the ability to capture consumer behavior in real time and reward loyalty incrementally. Our technology platform allows for both an elegant experience at the point-of-sale as well as granular back-office control of the deployed rewards program.


Factor4 partners with enterprises across the technology service ecosystem including: Customer Relationship Management (“CRM”) companies, point-of sale terminals (“POS”), Independent Sales Organizations (“ISOs”), Independent Software Vendors (“ISVs”), Value Added Resellers (“VARs”), E-commerce companies, and middleware providers.   Our versatile API provides our partners a durable edge allowing them the ability to quickly create and track a high-impact, customized loyalty solution.


Factor4 makes it easy to integrate customer loyalty solutions. Whether you are a distributor, developer, or merchant, Factor4’s API allows for an uncomplicated deployment within your sales channel, technology solution, or point-of-sale device.

RewardOS API Functionalities:

Setup API
Setup a partner or new business to begin rewarding customers and accepting stored value cards.
Campaign API
Process stored value cards to recognize and reward consumer behavior, and increase ticket lift.
Transaction API
Allows for simple integration into our processing platform via a website, terminal, tablet, or fully integrated POS.
Reporting API
Comprehensive reporting that allows for extraction of transactional data in nearly any format required.
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