"GiftCertificate.com is a leading provider of comprehensive incentive solutions to corporations and small businesses. We also provide a universally appealing gift certificate, gift cards to hundreds of national merchants, and advice for personal gift giving." http://www.giftcertificates.com/ They're obviously making a lot of money by all of the "zero-interest loans" that they get by holding funds until people redeem these. And they provide great flexibility, when I get an online certificate from them I don't have to open a PayPal account (though I have one) and I can redeem it at tons of places. I prefer to decide how I will be "rewarded" instead of having somebody who doesn't know me make that decision for me.