A multi-account payment consolidation system and process, comprising a payment terminal at a point-of-sale. A central computer system is operatively coupled to the payment terminal through a network connection, the central computer system including at least a processor, and memory comprising program instructions. The program instructions are executable by the processor to register a plurality of external financial accounts and associate them with a user, register at least one customized rule-set for processing a payment associated with the user, authenticate the user when the user logs in at the payment terminal, automatically process the payment in accordance with the customized rule-set by accessing the external financial accounts, and receive a payment confirmation from the external financial accounts for display to the user on the payment terminal.