Digital loyalty card for Apple Wallet and Google Wallet

We're a small retail chain and we want to replace plastic loyalty cards with a native card that lives directly in Apple Wallet and Google Wallet. When a customer registers, they should receive a personal card that can be added to their phone with one tap: it shows the current balance of points or stamps, tier or status, plus a scannable barcode or QR code that our existing registers already understand. This is specifically a card-in-wallet project, not a web page for a loyalty program: the card must be a real Apple Wallet and Google Wallet object, properly signed and issued, so it behaves like any other pass on the lock screen. The core of the work is the issuance and update pipeline. We need card templates for both platforms, generation of individual cards linked to a member ID, and the ability to change balance remotely so that a push update reaches the phone soon after a purchase is registered. When points or stamps change, the number on the card should update, and the customer doesn't need to reinstall anything. Please take responsibility for setting up certificates and keys, the registration and device endpoints that Apple and Google require, and secure credential storage on our side. Support for NFC where the platform allows it would be a bonus, but the barcode path must always work as a fallback. We also need a simple admin panel so non-technical staff can work with the system every day. Nothing complex: a neat back-office will do. — Card templates for Apple Wallet and Google Wallet in our brand colors with logo — Issue a personal card for each member with unique code, points and stamp balance, tier — Push updates so the balance on the phone updates after each operation — Admin panel to create, search, top-up, adjust, and block cards — Set up certificates, keys, and credentials with secure storage and clear handoff