A computer system for validating an account to be used in an electronic payment includes a processor coupled to a memory device. The computer system is programmed to receive an account validation web request from a bill payment originator. The account validation web request includes account details. The computer system is further programmed to process the account validation web request to parse the account details, validate the account details associated with the account validation web request using at least one validation rule, and transmit an account validation web response to the bill payment originator.