Managing and administrating rewards for a plurality of merchants

A non-transitory computer-readable medium storing computer-executable instructions, that in response to execution by one or more hardware processors, causes the one or more hardware processors to perform operations comprising:

• in response to detecting a first purchase or a user activity by a first user and corresponding to a first merchant, updating a rewards amount associated with the first user, wherein the first merchant is onboarded with a first rewards program;
• detecting an initiation of a second purchase by the first user, the purchase corresponding to a second merchant, wherein the second merchant is not onboarded with the first rewards program;
• in response to the detecting the initiation of the second purchase, causing an interface to be provided to the first user, wherein the interface allows the first user to utilize at least a portion of the rewards amount for the second purchase;
• and
• in response to receiving an input from the first user via the provided interface, processing a payment for the second purchase, wherein at least a first portion of the rewards amount is utilized for the payment.

A method, comprising:

• in response to detecting a first purchase or a user activity by a first user and corresponding to a first merchant, updating, by a computer system, a rewards amount associated with the first user, wherein the first merchant corresponds to a first rewards program;
• in response to detecting an accessing of a checkout page of a webpage or application page of a second merchant, determining, by the computer system, if the second merchant corresponds to the first rewards program;
• in response to the determining that the second merchant does not correspond to the first rewards program, causing, by the computer system, an indication of a rewards availability for the second merchant to be provided to the first user;
• in response to detecting an initiation of a second purchase, causing, by the computer system, an interface to be provided to the first user, wherein the interface provides a selectable option that corresponds to utilizing at least a portion of the rewards amount for the second purchase;
• and
• in response to receiving an input from the first user via the provided interface, processing, by the computer system, a payment for the second purchase, wherein at least a first portion of the rewards amount is utilized for the payment.