1. A method comprising: receiving, at a merchant, an indication from a consumer of a desire to sell a closed loop account not issued by the merchant; receiving a confirmation, via a computing device, of an amount of money in the closed loop account; presenting the consumer with an offer to buy the closed loop account; receiving from the consumer an acceptance of the offer; processing the closed loop account to yield a processed closed loop account; and applying a benefit to the consumer based on the processed closed loop account.