7Konto vs PassKit: Which one for your business?
PassKit is a wallet-pass platform. 7Konto is a full closed-loop payment platform. Both create Apple Wallet and Google Wallet passes — but they solve different problems.
TL;DR
PassKit (passkit.com) is a specialized platform for creating and distributing wallet passes — loyalty cards, membership cards, coupons. It excels at the wallet layer but doesn't include payment processing, ledger, or POS terminal integration. 7Konto is a full closed-loop payment platform: wallet passes + real balances + real-time transactions + POS integration + multi-tenant admin. If you need "cards in wallets," PassKit works. If you need "cards with real money on them that get charged at checkout," you need 7konto.
Side by side
| Feature | 7Konto | PassKit |
|---|---|---|
| Wallet pass creation (Apple/Google) | ||
| Real-time balance tracking PassKit doesn't manage balances | ||
| POS terminal integration PassKit isn't a payment platform | ||
| Transaction processing | ||
| Gift card sales & redemption PassKit can create gift card designs but doesn't process transactions | Limited | |
| Prepaid balance management | ||
| Corporate/B2B2E accounts | ||
| Multi-tenant architecture | Limited | |
| Coupon distribution | ||
| Loyalty stamp cards For punch-card loyalty specifically, we use our sister brand 7stamp | Via 7stamp | |
| REST API | ||
| White-label options | ||
| Free pilot with full setup | ||
| Online checkout (widget + PSP embedding) PassKit doesn't offer online payment checkout | ||
| Deployment time | Days | Days |
Strengths of each
7Konto strengths
- Full closed-loop payment platform, not just passes
- Real balances charged in real-time at checkout
- POS terminal integration for seamless in-store use
- Multi-tenant B2B2E capabilities (corporate meals, employee benefits)
- Free 30-day pilot with full setup and training
- Integrated ecosystem with 7stamp (loyalty) and 7loc (customer engagement)
PassKit strengths
- Mature product with years of production experience
- Excellent wallet pass creation and design tools
- Strong developer community and documentation
- Good for pure-play loyalty use cases where no payment processing is needed
Which one for you?
Choose 7Konto if:
- • You need real money on wallet cards that gets charged at checkout
- • You want gift cards with actual balance management
- • You need to integrate with POS terminals for transaction processing
- • You want prepaid balances, corporate accounts, or B2B2E programs
- • You want a turnkey solution with setup and training included
Choose PassKit if:
- • You only need wallet passes without payment processing
- • You have a specific PassKit-based workflow already
- • Your use case is pure loyalty passes or membership cards
- • You have in-house development to handle the payment/POS layer separately
Common questions
Can we use both PassKit and 7Konto?
Yes. Some businesses use PassKit for pure wallet passes (membership cards, event tickets) and 7Konto for payment-related cards (gift cards, prepaid balances). They can coexist without conflict.
Is 7Konto a wallet pass provider like PassKit?
We generate wallet passes as part of the platform — that's what customers get in their Apple/Google Wallet. But we're primarily a payment platform. The wallet pass is the customer-facing layer; the platform underneath is a full closed-loop payment system.
Which is more expensive?
Pricing structures are different. PassKit charges per active pass, so costs scale with pass count. 7Konto charges per terminal + transactions, so costs scale with transaction volume. For specific comparisons, contact us with your projected volumes.
What if we start with PassKit and need payment features later?
You can migrate to 7Konto or add 7Konto alongside. Wallet passes can be regenerated as 7Konto cards. Migration typically takes 2-4 weeks depending on complexity.
Other comparisons
7Konto vs Badge (trybadge.com)
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Closed-Loop vs Open-Loop Payments
What's the difference between closed-loop and open-loop payments? Detailed comparison of Visa/Mastercard vs closed-loop platforms, with real use cases.
7Konto as SDK.finance Alternative
SDK.finance is a source-code license platform for enterprise fintech. 7Konto is a turnkey SaaS with free pilot. Compare deployment models and pricing.
Try 7Konto to compare directly
Free 30-day pilot. We set it up for you. Compare the actual experience, not just marketing pages.