As we quickly approach the holiday season, many restaurants and retailers should be focused on their holiday gift card program because their customers certainly are. According to the National Retail Federation’s Gift Card Spending Survey, “the average person buying gift cards will spend $172.74, up from $163.16 last year. Total spending is expected to reach $31.74 billion.” Gift cards are a win-win for consumers and merchants. Shoppers love the safe and convenient....

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