Abstract: E-commerce is growing at a rapid pace due to the fantastic growth rate of the Internet. Consumers are becoming more Internet savvy and more likely to spend money over the Internet. The present invention allows the Customer to receive a cash credit to their account, as well as other reward alternatives. Receiving cash in the Customers account with the Merchant leaves no ambiguity as to what the Customer can purchase, as they can purchase anything at the Merchants site. The present invention relates to electronic commerce (e-commerce) and the purchasing of goods and services. More particularly to Customer retention and loyalty programs, and still more particularly to creating the ideal Customer retention and loyalty program by facilitating the exchange between online Advertisers, Merchants, and Consumers.