An apparatus and method for verifying a customer's financial information is disclosed wherein a seller accepts information about the details of price and quantity of the goods to be purchased, and accepts information about customer's financial account. Payment is authorized or processed for desired goods in a variable transaction amount that is not equal to the total price of the goods. Then the amount of the transaction is received from the customer and compared to the amount charged to the bank. If the two amounts match then the goods are shipped to the customer and if not already processed payment is settled.