A transaction product includes a housing, a gelatinous substance and an account identifier. The housing defines a storage cavity and is configured to be selectively opened and closed to provide selective access to the storage cavity. The gelatinous substance is selectively enclosed within the storage cavity, and, upon removal of the gelatinous substance from the storage cavity, the gelatinous substance is configured to selectively flow in a plurality of different directions. The account identifier links the transaction product to at least one of an account and a record and is machine readable by a point-of-sale terminal such that value can be added to or deducted from the at least one of the account and the record using the account identifier. Other product, cards, assemblies and associated methods are also disclosed.