System for providing offers using a billing statement

A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

• receiving information about a transaction between a consumer and a merchant;
• generating an offer for the consumer, wherein the offer provides the consumer an option to extend a payment grace period for the transaction;
• and
• transmitting the offer electronically to a consumer device.

A method, comprising:

• receiving, electronically by a processor of a service provider, information about a transaction between a consumer and a merchant;
• generating, electronically by the processor, an offer for the consumer, wherein the offer provides the consumer an option to extend a payment grace period for the transaction;
• and
• transmitting, electronically by the processor, the offer electronically to a consumer device.