Systems and methods are provided to selectively restrict payment transactions. In one aspect, a system includes: a data storage facility to store restriction data in association with a phone number; and an interchange coupled with the data storage facility. The interchange includes a common format processor and a plurality of converters to interface with mobile controllers. The converters are configured to communicate with the controllers in different formats and to communicate with the common format processor in a common format. In response to a payment request identifying the phone number and a merchant, the common format processor determines whether to reject the payment request based at least in part on the restriction data and the identity of the merchant. If the request is not rejected, the common format processor uses one of the converters to communicate with a telephonic apparatus at the phone number to confirm the payment request.