Abstract: A method for providing a spending capability includes receiving location data from a user device. A merchant location is then determined to be associated with the location data in a merchant database and, in response, at least one spending incentive that is associated with the merchant location is retrieved from the merchant database. A location balance at the merchant location is then determined using the at least one spending incentive, and a location balance indicator is provided on the user device that includes the location balance at the merchant location. The method allows a user to be dynamically informed about how much they may spend at a given location based on an amount the user may spend along with spending incentives provided by a merchant at the merchant location.