I'm intrigued with
KO Custom Gift Card. The extension allows you to provide your own set of images and a simple way to define the layout for your gift cards and then
sell these custom gift certificates on your site. A first-pass look at the activity in their forum and feedback on Joomla.org indicates it's actively supported and well-maintained.
The system doesn't yet support payment via points, but 1) the developer
has been asked and informs it's easy for him to support partial-payment via points but 2) if others request payment exclusively via points he could be swayed to make the change.
I've requested he support a
multi-user configuration in ES and integration with Techjoomla and the developer, Lebill, said he'd put it on his "to-do" list.
As is usually the case the "market interest" set's developer priorities unless you time it right and the work benefits the underlying platform or extends the market for the component in some way. So, if any ES sites desire another way to monetize their sites or offer that capability to create, buy, and sell gift certificates to site members for either points, cash, or a mix of those, please do head on over to
KO Custom Gift Card and share your interest/requirements.