In particular, systems and methods are provided for delivering a discount using a combination of virtual currency and partner-issued currency. Inventive systems and methods offer a high-perceived savings value to an end-user while maintaining the perception of product value. Further, systems and methods for providing a discount are described which impose little or no cost on the service or product provider. An embodiment of an inventive method includes presenting a display of a price paid by a consumer without access to the virtual currency along with a display of an amount payable by the end-user in actual currency in combination with an amount payable in a combination of virtual currency and partner-issued currency.