Abstract: Systems and methods establish a virtual points clearinghouse. The clearinghouse redeems heterogeneous digital micro-payments-such as bonus points received from various points issuers-across diverse service providers. Points meant for exclusive redemption at one service provider may be directly redeemed for non-corresponding goods of a different service provider. In one implementation, the clearinghouse includes contracts between points issuers, service providers, and a clearinghouse, including intervening conversion rates. A user interface enables a user to manage multiple point balances from a computing device, cell phone, or other mobile device. The user interface enables the user to find diverse goods and to directly obtain the goods by redeeming diverse heterogeneous points. The clearinghouse includes an invoicing engine to enable money flow between users, points issuers, service providers, and the clearinghouse.