diff --git a/lib/ionia/ionia_merchant.dart b/lib/ionia/ionia_merchant.dart
index 96e671652..6b85a18b3 100644
--- a/lib/ionia/ionia_merchant.dart
+++ b/lib/ionia/ionia_merchant.dart
@@ -168,5 +168,7 @@ class IoniaMerchant  {
     final String acceptedCurrency;
     final String deepLink;
     final bool isPayLater;
+
+    double get discount => level3;
   
 }
diff --git a/lib/src/screens/ionia/cards/ionia_buy_card_detail_page.dart b/lib/src/screens/ionia/cards/ionia_buy_card_detail_page.dart
index e5a085eb1..95202f472 100644
--- a/lib/src/screens/ionia/cards/ionia_buy_card_detail_page.dart
+++ b/lib/src/screens/ionia/cards/ionia_buy_card_detail_page.dart
@@ -35,8 +35,8 @@ class IoniaBuyGiftCardDetailPage extends BasePage {
 
   @override
   Widget trailing(BuildContext context)
-    => ioniaPurchaseViewModel.ioniaMerchant.minimumDiscount > 0
-      ? DiscountBadge(percentage: ioniaPurchaseViewModel.ioniaMerchant.minimumDiscount)
+    => ioniaPurchaseViewModel.ioniaMerchant.discount > 0
+      ? DiscountBadge(percentage: ioniaPurchaseViewModel.ioniaMerchant.discount)
       : null;
 
   @override
@@ -130,7 +130,7 @@ class IoniaBuyGiftCardDetailPage extends BasePage {
                               ),
                               SizedBox(height: 4),
                               Text(
-                                '\$${ioniaPurchaseViewModel.amount.toStringAsFixed(2)}',
+                                '\$${ioniaPurchaseViewModel.billAmount.toStringAsFixed(2)}',
                                 style: textLargeSemiBold(),
                               ),
                             ],
diff --git a/lib/src/screens/ionia/cards/ionia_buy_gift_card.dart b/lib/src/screens/ionia/cards/ionia_buy_gift_card.dart
index e84682559..899b1387d 100644
--- a/lib/src/screens/ionia/cards/ionia_buy_gift_card.dart
+++ b/lib/src/screens/ionia/cards/ionia_buy_gift_card.dart
@@ -146,7 +146,7 @@ class IoniaBuyGiftCardPage extends BasePage {
                 child: CardItem(
                   title: merchant.legalName,
                   backgroundColor: Theme.of(context).accentTextTheme.display4.backgroundColor.withOpacity(0.1),
-                  discount: merchant.minimumDiscount,
+                  discount: merchant.discount,
                   titleColor: Theme.of(context).accentTextTheme.display4.backgroundColor,
                   subtitleColor: Theme.of(context).hintColor,
                   subTitle: merchant.isOnline ? S.of(context).online : S.of(context).offline,
diff --git a/lib/src/screens/ionia/cards/ionia_manage_cards_page.dart b/lib/src/screens/ionia/cards/ionia_manage_cards_page.dart
index 103ee64dd..656b8676b 100644
--- a/lib/src/screens/ionia/cards/ionia_manage_cards_page.dart
+++ b/lib/src/screens/ionia/cards/ionia_manage_cards_page.dart
@@ -216,17 +216,31 @@ class _IoniaManageCardsPageBodyState extends State<IoniaManageCardsPageBody> {
           separatorBuilder: (_, __) => SizedBox(height: 4),
           itemBuilder: (_, index) {
             final merchant = merchantsList[index];
+            var subTitle = '';
+            
+            if (merchant.isOnline) {
+              subTitle += S.of(context).online;
+            }
+
+            if (merchant.isPhysical) {
+              if (subTitle.isNotEmpty) {
+                subTitle = '$subTitle & ';
+              }
+
+              subTitle = '${subTitle}${S.of(context).in_store}';
+            }
+
             return CardItem(
               logoUrl: merchant.logoUrl,
               onTap: () {
                 Navigator.of(context).pushNamed(Routes.ioniaBuyGiftCardPage, arguments: [merchant]);
               },
               title: merchant.legalName,
-              subTitle: merchant.isOnline ? S.of(context).online : S.of(context).offline,
+              subTitle: subTitle,
               backgroundColor: Theme.of(context).textTheme.title.backgroundColor,
               titleColor: Theme.of(context).accentTextTheme.display3.backgroundColor,
               subtitleColor: Theme.of(context).accentTextTheme.display2.backgroundColor,
-              discount: merchant.minimumDiscount,
+              discount: merchant.discount,
             );
           },
         ),
diff --git a/lib/view_model/ionia/ionia_purchase_merch_view_model.dart b/lib/view_model/ionia/ionia_purchase_merch_view_model.dart
index 7fc66bc37..b8c8eaa96 100644
--- a/lib/view_model/ionia/ionia_purchase_merch_view_model.dart
+++ b/lib/view_model/ionia/ionia_purchase_merch_view_model.dart
@@ -58,6 +58,9 @@ abstract class IoniaMerchPurchaseViewModelBase with Store {
   @computed
   double get giftCardAmount => double.parse((amount + tipAmount).toStringAsFixed(2));
 
+  @computed
+  double get billAmount => double.parse((giftCardAmount * (1 - (ioniaMerchant.discount / 100))).toStringAsFixed(2));
+
   @observable
   double tipAmount;