A device may receive, from a user device, credentials for a transaction account associated with a user. The device may provide, to a merchant device, authorization information enabling access to an indication of an incentive status associated with the user and the transaction account, wherein the incentive status indicates whether an incentive is available for the user. The device may receive, from the merchant device, an incentive status request including the authorization information. The device may determine that the authorization information is valid and is associated with the transaction account. The device may determine a current incentive status for the incentive, wherein the current incentive status is based on a satisfaction of a condition associated with the transaction account. The device may provide, to the merchant device, the indication of the current incentive status for the incentive.