A system and a method for administering a user account are provided. The system includes at least one processor, and at least one memory including computer program code. The at least one memory and the computer program code are configured to, with the at least one processor, cause the system at least to receive from a device, a user account identifier, receive from a merchant device, a credit request including a merchant identifier and a credit amount, determine based on the user account identifier, at least one digital wallet associated with the user account identifier, and determine an amount of points to be credited to the user account associated with the at least one digital wallet, the user account being determined according to the user account identifier and the merchant identifier, and the amount of points being determined in response to the credit amount.