Blackhawk Network vs InComm Payments
Updated onCompare Blackhawk Network and InComm Payments side-by-side. See how they stack up on features, pricing, and target market.
Blackhawk Network
Blackhawk Network is a Pleasanton, California–based provider of branded payment solutions, including physical and digital gift cards, rewards, and corporate payout services.
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InComm Payments
InComm Payments is a privately held payments technology company that provides gift card, prepaid, transaction processing, healthcare and employee benefits solutions for retailers, brands and financial partners worldwide.
Which should you choose?
Blackhawk Network
Choose Blackhawk Network if you primarily need a mature global branded payments and incentives partner with strong digital rewards platforms and gift card distribution for marketing, loyalty, and employee programs.
InComm Payments
Choose InComm Payments if you want a broader payments technology stack that combines gift cards and incentives with reloadable debit, healthcare supplemental benefits, and employee benefits administration.
Key differences
| Category | Blackhawk Network | InComm Payments | Why? |
|---|---|---|---|
| Customer Reviews & Reputation | Blackhawk Network’s products have strong ratings on G2 and an overall Trustpilot score around 3.9/5, while InComm shows a modest G2 score but significantly lower consumer ratings on sites like Trustpilot and ComplaintsBoard due to gift card and dispute issues. | ||
| Global Footprint & Retail Distribution | Both are global, but InComm cites over 525,000 retail and online distribution points in more than 40 countries versus Blackhawk Network’s roughly 400,000 channel touchpoints in 28 countries and 1,000+ branded card partners. | ||
| Healthcare & Employee Benefit Solutions | InComm uniquely provides dedicated divisions for healthcare supplemental benefits, wellness rewards, and HSA/FSA and other employee benefit accounts, which Blackhawk Network does not match with comparable benefits-administration offerings. | ||
| Product Breadth | InComm Payments spans gift cards, incentives and disbursements, financial services with reloadable debit and cash load, healthcare supplemental benefits, employee benefits, and payment systems, whereas Blackhawk Network focuses mainly on branded payments, gift cards, incentives, and corporate payouts. | ||
| Rewards & Incentives Platform | Blackhawk Network offers specialized rewards platforms like Tango and BHN Rewards with large global catalogs, extensive integrations, and self-service tools, while InComm’s InCentives and Engage platforms are solid but less emphasized as standalone SaaS products. |
Feature comparison
| Feature | Blackhawk Network | InComm Payments | Notes |
|---|---|---|---|
| Bulk B2B gift card purchasing portal | Blackhawk offers bulk purchasing for businesses, and InComm InCentives provides an eCommerce shop for bulk gift card orders. | ||
| Corporate payouts and disbursements | Blackhawk’s payment solutions and Disbursement Link and InComm’s Incentives & Disbursements offerings both support prepaid and card-based payout programs. | ||
| Digital / e-gift cards | Each company supports extensive catalogs of digital gift cards for consumer and corporate use. | ||
| Fraud and risk management for gift cards | Both promote fraud and risk controls for gift cards, with Blackhawk highlighting fraud and risk management services and InComm emphasizing secure packaging and geolocation-based fraud prevention. | ||
| Gift card API and integrations | BHN exposes APIs and integrations via Tango and BHN Rewards, and InComm InCentives offers gift card APIs and integrations for enterprise clients. | ||
| Global distribution network | Blackhawk reports distribution in 28 countries with about 400,000 touchpoints and 1,000+ card partners, while InComm reports over 525,000 points of distribution in more than 40 countries. | ||
| Multi-brand curated reward cards | Blackhawk offers multi-merchant cards such as MAX Choice, Choice, and Giving Good, while InComm offers multi-brand options like the Zift Zillions of Gifts gift card. | ||
| Physical gift cards | Both operate large networks issuing and distributing branded plastic gift cards through retailers and B2B channels. | ||
| Rewards / incentives management platform | BHN’s Tango and BHN Rewards platforms and InComm’s Engage and InCentives solutions all support managing reward and incentive programs, though BHN emphasizes deeper integrations and analytics. | ||
| Employee benefits administration (HSA/FSA, HRA, COBRA, commuter) | InComm Benefits administers HSA, FSA, HRA, COBRA, and commuter benefits, while Blackhawk focuses on employee rewards and incentives rather than core benefits administration. | ||
| Healthcare supplemental benefit and wellness cards | InComm Healthcare provides restricted-spend and wellness reward cards for Medicare and Medicaid plans, whereas Blackhawk does not market comparable healthcare benefit card programs. | ||
| Reloadable debit cards and cash load technology | InComm explicitly offers reloadable debit account solutions and cash load technology, while Blackhawk focuses more on prepaid and single-load reward cards than on ongoing debit programs. |
Review Consensus
Blackhawk Network
"Blackhawk Network is generally well regarded by business users for its digital rewards platforms and has relatively strong consumer ratings, though some cardholders do encounter fraud- and fee-related frustrations that require support to fix. "
Based on 575 reviews
- ● Well suited for sending digital gift cards and prepaid rewards at scale from a large catalog.
- ● Integrations and APIs make it easy to plug rewards into CRM, survey, and marketing tools.
- ● Self-service dashboards simplify ordering, tracking, and reporting on reward campaigns.
- ● Some users experience occasional delivery or redemption issues typical of digital rewards programs.
- ● Global coverage and brand availability can vary by recipient country.
- ● Learning curve for advanced configuration and reporting for large, complex programs.
Data as of 2/7/2026
Based on 1,595 reviews
- ● Customer support is often praised as responsive and willing to resolve gift card issues.
- ● Consumers like the variety of gift card brands available through Blackhawk-powered channels.
- ● Many reviewers report smooth activation and redemption experiences once issues are addressed.
- ● Some reviewers report cards being blocked or impacted by fraud, requiring support intervention.
- ● Fees and card terms (such as expirations) are occasionally seen as confusing.
- ● A minority describe delays or multiple contacts needed to fully resolve complex problems.
Data as of 2/7/2026
InComm Payments
"InComm Payments is a powerful, diversified payments provider that business users can leverage across many use cases, but consumer review sites consistently highlight serious issues with prepaid card fraud resolution and dispute handling. "
Based on 1 reviews
- ● Offers a broad mix of gift card, payments, and incentive capabilities in one provider.
- ● Suitable for enterprises needing connectivity into many payment channels and industries.
- ● Longstanding experience in prepaid and payments markets inspires confidence for some business users.
- ● Very limited volume of G2 reviews makes it hard to gauge consistent user sentiment.
- ● Complex product portfolio may require more effort to navigate and implement.
- ● Integration and configuration details are not as widely documented in peer reviews as some competitors.
Data as of 2/7/2026
Based on 104 reviews
- ● Wide availability of branded and open-loop gift cards through many retail partners.
- ● When resolved, some users do receive replacement cards or refunds after issues.
- ● Covers many popular prepaid brands, making the products convenient to purchase.
- ● Frequent reports of card balances being drained or compromised before activation.
- ● Many reviewers describe disputes being denied or investigations feeling cursory.
- ● Customers often complain about long timelines and poor communication when seeking resolution.
Data as of 2/7/2026
Based on 33 reviews
- ● A few reviewers note eventual resolution or refunds after persistence with support.
- ● Strong merchant network and brand coverage are occasionally cited as reasons for using the products.
- ● Long market presence means many retailers are already familiar with InComm programs.
- ● Numerous complaints involve disputed or fraudulent transactions on gift cards.
- ● Customers often feel dispute and refund processes are slow, opaque, or unsympathetic.
- ● Some report needing multiple contacts over many months to reach any resolution.
Data as of 2/7/2026
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