A method and system for cross-marketing products and services to customers of specific merchant web sites on the Internet by a merchant loyalty service provider web site on the Internet, provides a hyperlink to a merchant loyalty service provider web site from a merchant web site whereby customers can access the merchant loyalty service provider web site directly from the merchant web site. The merchant loyalty service provider web site makes to customers of the merchant customer loyalty benefit offers related to the business of said merchant web site, to build customer loyalty to the merchant web site.