Hi,
I hope you can help me. I'm writing a computer program to be used for personal money management, and I'm hung up in the design process.

I need a word (or short term) that describes gift certificates, in-store credits (as when you return an item without a receipt), and gift cards/cash cards (MC/Visa cards that may be received for a product rebate or as a gift), and also differentiates them from "deposit accounts" (checking and savings accounts) and "credit accounts" (credit cards, etc.). The most relevant difference for my purpose is that the gift certificates, and the others in the group, start off at a certain monetary value which reduces as the money value is spent, and generally it’s not possible to add money value back to them.

Thanks very much.