Abstract: A payment service is configured to support purchase transactions generated by merchant point-of-sale (POS) devices. As transactions are conducted, the payment service evaluates, for each transaction, the risk of subsequent chargeback. The payment service then notifies the merchant that expedited payment is available for transactions having low risks of chargeback. The merchant can select a user interface element to initiate expedited payment of the transactions via a debit card linked to the merchant's bank account. Other transactions are settled in a non-expedited manner, using a batch funds transfer.

Abstract: A method and system for providing budget recommendations based on financial data from similarly situated individuals whereby financial transaction data associated with a given individual is analyzed to identify financial profile information associated with the given individual. The financial profile information associated with the given individual is then used to determine/define one or more “financial peer” identification criteria/parameters to be used for identifying individuals who are financially similarly situated with respect to the given individual. Financial data associated with various other individuals is obtained from one or more sources and the financial data associated with the other individuals is analyzed using the one or more financial peer identification criteria/parameters to identify one or more financial peers of the given individual.