Systems and methods for facilitating payments are disclosed. In one embodiment, a method for facilitating a transaction may include (1) a customer selects a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; and (3) the financial institution associating a unique identifier for the customer's merchant account with the customer's financial institution account. In another embodiment, a method for facilitating a transaction may include (1) a customer selecting a good or service to purchase from a merchant; (2) the customer being authenticated with a financial institution; (3) the financial institution provisioning a merchant-specific identifier for the merchant; and (4) the financial institution providing the merchant-specific token to the merchant.