Token / Credit Based Membership Site

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I'm trying to set up a membership site where users purchase tokens/credits which are consumed when an external application which the member has on their computer calls a script on my server.

These are some of the important characteristics / features I'm looking to implement for this membership site.
  1. A la carte purchasing:
    • Users purchase credits in packs (1, 5, 10, 50, etc) on an as-needed basis, similar to a prepaid cell phone's plan as opposed to a recurring charge akin to a monthly cell phone contract.
  2. Ability to earn free credits:
    • Not every user for this service is comfortable giving up their payment information on the internet. I'd like to be able to tie the credits system into CPA offers
    • The same goes for viral distribution. (Like this page for x credits, tweet once for Y credits, get z credits for every w people who join under your link up to a certain maximum)
  3. Paid referral style program:
    • When a new user signs up and pays for a token pack, that user and the referring user receive bonus tokens, similar to Dropbox's bonus storage.
  4. Loyalty programs
    • Increased bonuses / incentives to stay a member with the site. x% bonus credits if you spend y on the site within time period z.
  5. Authentication
    • Have an API / other means for external applications to securely access resources on the website with a pay per use model. Similar to a number of Google's services.
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