A stored value account includes a general stored value field and may include at least one stored value sub-field. The sub-field may represent a category and include category-specific benefits stored in the sub-field by a issuer of the stored-value account. The category benefits may include discounts, loyalty points, merchant specific stored value or merchant promotions. The category represented may include a group of institutions, a location specific institution or a varied location institution. Both an institutional client and a consumer client may load value into the stored value account.