Abstract: This invention relates to systems and methods for managing interest paid by financial institutions and particularly to a system and method where interest is converted into multiplier credits to be applied to merchant offers. The business system and method provides depositors a better value by giving consumers an opportunity to convert all or any portion of their monthly interest into substantially more buying power with merchants. This business system and method provides a website-platform and/or a onlinebanking enrollment form for easy enrollment of customers and merchants. Furthermore, the system and method allows for communication between the financial institutions and the website-platform. There is also the consumer direct model in which there is not a sponsoring financial institution and customers are able to access and convert their interest payments through the use of technology provided by a third party finance data platform that works in conjunction with the current invention's website-platform.