1. A method for paying with loyalty currency at one or more merchant websites by a user using a browser app, the browser app being installed at a computing device, the loyalty currency being provided by one or more program sponsors, the browser app interacting with the one or more program sponsors over a network and the browser app being independent of the one or more merchant websites, the method comprising: capturing total cost of items to be purchased by the user at a merchant website; converting the total cost of items to be purchased into one or more loyalty currency units based on a set of one or more conversion rules stored in a conversion table, wherein the set of conversion rules corresponds to a program sponsor, wherein each conversion rule corresponds to a merchant website; presenting the user with at least one loyalty currency payment option based on loyalty currency balance information; filling payment methods details in a payment form based on a user response to the at least one loyalty currency payment option; and reporting a purchase transaction information to at least one of the one or more program sponsors, wherein the purchase transaction information comprises at least one of a number of loyalty currency units utilized for the purchase transaction and an address of the merchant website at which the user performed the purchase transaction.