Abstract: Dynamic system for gift cards or certificates allowing business partners to create dynamic incentives for products/services and allow only segments of purchasers to purchase and redeem a gift card at participating business locations. Dynamic system allows for business partners to authorize the number of gift cards to be sold, products and services eligible for additional incentives at the time gift card is redeemed, to identify eligibility of purchasers, geographic locations where gift card can be redeemed and duration of incentive offers which provides significant specificity and segmentation of incentive offers to business partners. Dynamic gift card system can be utilized to direct gift card purchasers or registered holders to various websites or physical business locations to redeem gift cards and their associated incentive offers. Dynamic gift card system allows business partners to dynamically alter products and services that can be purchased with gift card as well as incentive offers.