Abstract: Described are implementations for creating a personalised data package having an associated value of merchant-specific credits, including a server configured to receive a request from a customer terminal for creation of a personalised data package. The Server then accesses a payment gateway to obtain secure payment of an amount representative of the merchant-specific credits. In response to receiving the payment, the server accesses a database to generate a visual template, for the personalised data package, indicative of a visual representation of the personalised data package. The Server then provides an interface to allow personalisation of the visual template, including: uploading and embedding of image and/or video to the data package, embedding of personalised text content, embedding of audio content, and/or embedding of interactive content to the data package. The personalised data package is able to be accessed by the specified recipient via a recipient terminal.