A method for processing payment for a purchase transaction includes enabling the provision of a first payments account to an accountholder and enabling a second payments account of the accountholder to be associated with the first payments account. A limit on the number of times the first payment account can be used for making purchase transactions within a determined time period is established. During a purchase transaction being made by the accountholder using the first account, information indicative of the first account and the purchase transaction is received. It is determined whether the limit on the number of times the first account has been used by the accountholder within the determined time period has been reached. When the limit on the number of times the account can be used in the time period has been reached, the second account of the accountholder is used for the purchase transaction.