Abstract: An e-wallet service allows a consumer to retrieve a list of merchants selling goods and services specified by the consumer, see reviews by other consumers who conducted transactions with the merchants on the retrieved list; select a merchant from the retrieved list and an account to pay for a staged transaction and a corresponding token for the staged transaction with the selected merchant, conduct the staged transaction with the merchant by the submission of the token to the merchant as form of payment; and use the token, after conducting the staged transaction with the selected merchant, to gain access to a social media portal and input the consumer's opinion about the selected merchant's performance of the staged transaction.