How a choice card works
The sender issues a single code with a face value (e.g. €50). The recipient opens a landing page that lists the curated brands available in their country and picks one. Only at that moment is the balance converted into a single-brand closed-loop card.
- One code per recipient — no awkward 'here are five gift cards' moment
- Curated catalogue per country, refreshed continuously
- The selected brand becomes a normal closed-loop card with a brand-specific redemption page
- If the recipient never picks, the value can return to the program owner at expiry
Why tax teams like the format
In Germany, a multi-store card qualifies as Sachbezug under § 8 EStG provided every onward redemption is a closed-loop, in-kind benefit and the card is not convertible to cash. In the Netherlands the same format fits the WKR vrije ruimte. In France it can fit the URSSAF chèque cadeau framework when issued for a recognized event.
This is general information and not tax advice. Confirm specifics with your accountant for material program volumes.
Frequently asked questions
Can the recipient split the value across multiple brands?
On most choice card formats no — one code, one brand. Some platforms support split redemption; ask your vendor about edge cases for reconciliation.
What happens if a brand goes out of stock?
The choice card UI hides unavailable brands at the moment of redemption. The recipient picks from what is currently issuable.
Is a choice card the same as a Visa prepaid?
No. A Visa prepaid is open-loop and treated as cash-equivalent for tax purposes. A choice card is closed-loop at the moment of redemption and qualifies for in-kind tax frameworks.