A consumer payment control system receives a request to increase a stored value of the consumer account by a credit value, transmits a funding request to a consumer account funding infrastructure, the funding request including a credit value, and increases a stored value of the consumer account by the credit value. A communication and routing module receives a charge request, including an amount and identifies a selected one of the consumer accounts. A transaction processing system processes the charge request based on an account detail of the selected consumer account. The consumer payment control system determines whether a top-up confirmation has been received from the consumer account funding infrastructure after a predetermined period of time, and causes charging of the consumer account if the top-up confirmation has not been received.