Abstract: A payment card processing system and method includes a computing device in communication with a multi-party payment processing system and network for processing payment card transactions. The computing device accepts a foreign currency deposit into a virtual foreign currency account linked to a cardholder account designated for payment in a home currency, receives payment card transaction data, identifies a foreign exchange transaction between the cardholder and a merchant designated for payment in a foreign currency, and applies at least a portion of the foreign currency deposit in the virtual foreign currency account to satisfy the payment for the transaction.

Abstract: A gratuity is electronically transferred to at least one gratuity recipient. In the gratuity transfer process, a marker item is read. The marker item contains recipient data that identifies the recipient or recipients. A monetary amount for the gratuity is selected by the person giving the gratuity.

Abstract: Methods and systems for loading and reloading prepaid cards are disclosed. A service layer of a payment facilitator receives a pay-and-load request to load a prepaid card with a desired amount from a mobile application installed at a mobile device. The pay-and-load request comprises payment details. The service layer retrieves a quote stored at the service layer that corresponds to the pay-and-load request. It then transmits, to a payment gateway, a payment authorisation request, which comprises the payment details and a payment amount indicated by the retrieved quote. In response, the service layer receives from the payment gateway an authorisation response. If the authorisation response indicates a successful authorisation, the service layer transmits a load request to load the prepaid card with the desired amount to a payment processing platform.