Local Heroes Community Programs were developed to support a more socially-balanced environment in which business and consumers exchange value.  Each Transaction is designed to provide relevant & valuable incentives to Program Cardholders every time they patronize local-only businesses.  The software electronically deducts a designated portion of the Transaction amount from Cardholders who benefit from Membership in the Program.  The value is then instantly transferred as a charitable donation to a cause(s) that has been preset by Cardholders.  The funds are sent, (each business day) to the bank account of the Beneficiary and a tax receipt is sent  to Cardholders.  The donations will directly benefit Programs only in communities where Transactions take place.  Beneficiaries include schools, churches, nonprofits organizations/NGO’s, the homeless and Local Heroes' Extreme Need & Microcredit Funds.