Abstract: Systems and methods for managing pre-paid transactions are provided. In one embodiment, a method for managing pre-paid transactions includes receiving a set of vendor settings from a first vendor in a plurality of vendors. The set of vendor settings includes an offer associated with a bonus definable by the first vendor. The method also includes receiving a deposit of funds for the first vendor from a consumer, determining whether the consumer qualifies for the offer from the first vendor, and crediting a consumer account associated with the consumer with the deposit of funds and the bonus in response to determining that the consumer qualifies for the offer from the first vendor. The deposit of funds and the bonus is spendable at the first vendor using a consumer card associated with the consumer account.