Fuel hedging is used by large corporations to reduce exposure to fuel price volatility. But individual consumers are not afforded the same opportunities. In an embodiment, a payment card is provided that stores units of purchased products, and allows a user to purchase future units of the product before redeeming the products (such as oil). In an embodiment, a user can purchase the payment card with purchased units at a kiosk at a gas station. A backend processor receives the purchase request and buys select derivatives on the market to match the purchase request. Upon authenticating the user, the backend processor sends an authorization message back to the kiosk that dispenses the payment card.