Abstract: Techniques and arrangements for personalizing gift cards based, in part, on exchanging personalized messages between a customer that buys a gift card and a customer that receives and uses the gift card. A point-of-sale (POS) device of a merchant may receive a personalized message from the customer buying the gift card at the time of the purchase. The POS device may then present the personalized message to the customer receiving the gift card when the customer uses the gift card to satisfy a cost of a transaction between the merchant and the customer. During or after the transaction, the POS device may further receive feedback from the recipient customer of the gift card. The POS device may then send the feedback to the customer that originally bought the gift card.

Abstract: A payment handling system may operate to handle payments for the cost of a transaction. The payment handling system may receive first information associated with a first payment instrument, receive second information associated with a second payment instrument, and cause a display to update the UI to indicate that an unallocated portion of the cost of the transaction is to be approximately split between the first payment instrument and the second payment instrument.