An online shopping site can permit users to purchase items placed in a shopping cart. Purchasing options include paying with negotiable funds and paying with loyalty points of an entity. The entity can be a partner having an agreement with the provider of the online shopping site (referred to as a commerce partner). Per the agreement, the entity compensates the commerce partner for redeemed loyalty points. The compensation can be sufficient to pay the commerce partner for the items that were placed in the shopping cart plus the cost of providing the Web site. The items available for the online shopping site may be items that are not otherwise available to members of the loyalty program, who are able to redeem loyalty points directly with the entity for a restricted set of goods or services.