A computer-implemented method of point of sale transaction processing can include determining an identity of a user at a transaction site, identifying a plurality of financial accounts associated with the user, and for each financial account, accessing account information associated with the account. The method can include identifying a vendor type for the transaction site, selecting a financial account with which to process a transaction according to the vendor type and the account information for each of the plurality of accounts, and outputting the selected financial account. A list of financial accounts and incentives may be presented from which a user may select a particular financial account for processing the transaction.