Abstract: Providing a product-based coupon account. Specifically, the invention provides systems and methods for providing consumers with a coupon account for receiving an incentive or discount for purchasing a particular product. The consumer is issued a coupon account or coupon card that can be used at a merchant to receive the incentive at the time of purchase of the particular product. The coupon card is scanned at the merchant point of sale and information associated with the transaction including product-level information (e.g., SKU or UPC) and information associated with the coupon card is communicated to a authorization computing system for approval based on this information. The coupon card can be issued for one-time use or can receive updated incentives periodically.