A set of Web pages are provided for a Web site for a different loyalty program of a commerce partner. Non-negotiable credits are identified that are earned by a member as part of a loyalty program of an entity. During a Web session involving the member and the Web site, a request is received to transfer or convert a quantity of the non-negotiable credits to entity independent funds. The entity independent funds are different loyalty points of the different loyalty program. During the Web session at least a subset of the non-negotiable credits are transferred or converted into entity independent funds that the commerce partner accepts for commerce partner goods or services. The commerce partner goods or services are available for member purchase via the Web site. Non-negotiable credits are not accepted for the commerce partner goods or services.