A payment option on ecommerce checkouts, except instead of another payment plan, merchants can offer their consumers a sustainable way to get instant liquidity for used household items where the value of the items can be applied towards the balance of the new purchase in one seamless transaction. This transforms used household items into a new form of currency where consumers could essentially ‘buy-now-pay-never’ should the value of their trade-in(s) equal the value of the new purchase.