Local Heroes Membership Programs are designed to support a more socially-balanced environment in which business and consumers exchange value. Each transaction provides valuable savings to Program Cardholders each time they support local-only Member 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 the charity, Church or School where the Member enrolls. The funds are sent, (each business day) to the bank account of the beneficiary and a tax receipt is issued to Cardholders. The donations will directly benefit programs only in communities where the transactions take place.