Abstract: Disclosed herein are certain embodiments of systems and methods for inventory management of digital gift cards purchased from a variety of merchants, stored on a server database and resold indirectly to customers. A server would obtain an economic order quantity of gift cards from assorted merchants to generate a digital inventory. These codes may remain entirely private between the server and the merchant from which they were bought. The server would additionally sell merchant credits to customers using a web application. The digital inventory would be used to fulfill sales of merchant credit to customers.