Systems and methods for generating location-based retail pricing options are discussed herein. In an example, a method for generating location-based retail pricing options includes receiving, over a network from a user, a pricing request. The pricing request includes information identifying the user, a merchant, and an intended purchase. In this example, the method further includes determining a pricing option associated with the merchant and the intended purchase, and transmitting the pricing option to the user. The method still further includes processing a purchase transaction, associated with the user, for the intended purchase based on the pricing option.