A punch card campaign will apply to all customer transactions. If you need to test for yourself, here is a trick you can use.

1.  Go to Create Campaigns and create a 5 punch card campaign

2.  Click on "Modify Message" below without starting the campaign

3. In the modify screen, there are two filters. You can set this time outside of your store open hours. Then, create real transactions on your personal account with a credit/debit card.  Only you will receive punches since your customers do not transact during those hours. Once you have received 5 punches with qualifying transactions, the reward will be sent to you by email/SMS. Once you are satisfied, you can end this campaign and start a real campaign for all customers.