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Utilizing the latest digital payment solutions as well as traditional credit and debit card payment methods, Buckworm provides a platform where brick and mortar and online merchants can, through Buckworm or self-service, create and advertise loyalty and customer acquisition based incentive offerings. Consumers seamlessly connect to these offers through mobile app and through debit and credit card purchases at the point of sale. Consumers can also create and pitch their own offers direct to merchants and gain access to consumers to join and increase the discount through Buckworm's crowdsource and social media integration technologies. Buckworm provides customer acquisition based advertising at no cost! Instead of a fee, merchants contribute a few % of each redemption to the consumers favorite school or any nonprofit fundraising entity of choice! Buckworm's unique consumer and merchant acquisition strategy also provides a scalable business model where merchants and users are easily captured and retained.