A method including receiving, at a first system from a first entity, a request comprising a merchant identifier. The method also includes determining, at the first system, using the merchant account database, first information comprising an account identifier of a second account of the merchant maintained by a second financial institution. The method additionally includes sending the first information from the first system to the first financial institution. The method further includes receiving, at the first system from the first financial institution, payment information regarding a deposit to be made in the second account from the first account to pay the merchant for one or more items to be purchased from the merchant by the consumer for the payment amount. The method additionally includes sending, from the first system to the second financial institution, the payment information such that the second financial institution, upon receiving the payment information, notifies the merchant to satisfy an expectation of the merchant for payment from the consumer. Other embodiments are provided.