Abstract: A debit-type merchant transaction is conducted and the merchant transactions are automatically routed to customer accounts for payment of the merchant transactions. A user presents a form of account identification to an electronic transaction device to initiate a transaction. The account identification includes a customer account number. Each customer account is associated with a respective card issuer. At least some of the card issuers have for selected customers a debit account and a stored value account associated with the same customer account number. To perform a transaction, a customer inputs a transaction amount. A table is provided that includes a plurality of merchant categories and transaction threshold amounts for each merchant category. The merchant category is obtained for each initiated transaction. The inputted transaction amount is compared to the transaction threshold associated with the merchant.