The present disclosure describes devices and methods for facilitating specific transactions between a seller and a purchaser. In particular, a computing device an accounts circuit, accounts database, and a network interface is disclosed. In some embodiments, the specific transaction is a layaway transaction. The computing device receives a request to facilitate the transaction between the seller and purchaser. The computing device then sets up a transient account for the transaction, facilitates funding of the account, and finalizes the transaction in response to a condition being met.