Abstract: A method to process an incentive includes, at a commerce server, receiving an incentive identification code that identifies an incentive amount to be used for at least a partial payment of a transaction. A determination is made at the commerce server whether the incentive is valid. If the incentive is determined to the valid, incentive information is communicated to a payment processor server from the commerce server, the incentive information including an authorization that authorizes the payment processor server to transfer the amount as the partial payment for the transaction.