Abstract: A hybrid stored-value card system is designed to support and effectively link uniquely designed physical stored-value cards with digital stored-value cards. Each physical stored-value card is preferably provided with a unique mobile link code that can be retrieved by a mobile device using automated means of data capture. The link code is transmitted to a server in direct communication with the mobile device along with certain pre-defined user information, such as the card owner name, email address and mobile number. The server utilizes the link code to create a corresponding digital stored-value card that can be downloaded and installed onto the mobile device in a format and design as specified by the card issuer. Using the user information, the server is able to maintain a direct communication path with the mobile device and thereby provide real-time notifications and updates to the card owner.