Abstract: A method includes providing, by an online shopping platform, an online store for purchasing gift cards, receiving a selection of a gift card of a first value by a consumer, presenting a term sheet and an install payment schedule to the consumer, in response to receiving an approval by the consumer with respect to the term sheet and the install payment schedule, providing a form to the consumer to receive data relating to a credit card of the consumer, in response to receiving the data, transmit a pre-authorization request to a credit card processor, wherein the pre-authorization request asks for an authorized amount larger than the first value, in response to receiving an approval of the pre-authorization request, charging a first install payment to the credit card and placing an amount equal to the remaining install payments on hold.