Abstract: A method and apparatus for implementation of a reward system for merchants for credit card processing or merchant cash advances is presented. The reward system is implemented by application of a pre-determined algorithmic formula to purchase transaction volumes and/or merchant cash advance contracted amounts. The purchase transaction volumes are garnered in the normal course of business by merchants and/or vendors in the processing of customer purchase transactions via credit cards, or other ID transaction cards, for merchandise or services. Such purchase transaction volumes are tabulated for a specific time period and then sent to the credit card processor. The merchant cash advance contracted amounts can rely on accruals based on size of the cash advance, payoff amounts, time or dollar intervals, or full payoff.