A method includes receiving, from a payment intermediary, a request for approval of a card-not-present payment transaction between a customer and a merchant. The request for approval includes transaction details indicative of a credit account of the customer. The credit account established at an issuing institution. The method also includes transmitting the request for approval to the issuing institution. The method further includes receiving an authorization response from the issuing institution, the authorization response indicative of whether the card-not-present payment transaction is approved. The method additionally includes transmitting the authorization response to a terminal of the merchant, the request for approval not originating from the terminal.