A method performed by a provider computing system includes receiving a payment request from a merchant computing system for a transaction between a merchant and a customer where the payment request a first amount associated with the transaction, determining a currency conversion value for the number of rewards points based on a merchant multiplier that is activated based on a location of the customer, determining the number of rewards points in the rewards account is not enough to cover the first amount associated with the transaction, transmitting to the merchant computing system a partial authorization message, receiving a modification to the payment request comprising a second amount associated with the transaction, and transmitting an approval message to the merchant computing system based on the number of rewards points in the rewards account being sufficient to cover the second amount.

Systems, methods, and apparatuses for encouraging engagement with a rewards system are described herein. A customer associated with a customer device holds a rewards account with a provider associated with a provider computing system. The provider computing system receives rewards and payment card activity of the customer, analyzes the rewards and payment card activity, and generates a rewards engagement rating, which the provider uses to generate and transmit tailored rewards engagement messages to the customer device. The messages provide rewards earn and burn opportunities in which the customer can select to participate.