Abstract: A supplier uses a Buyer-Initiated Payment (BIP) system, such as a Payer Direct Hub (PDH), to obtain a selected interchange rate to charge the supplier. The payer may use a Supplier-Initiated Payment (SIP) system or manual method to provide a commercial credit card number to a supplier. A supplier may log onto a BIP system and enter the number along with the payment amount. A BIP system determines whether the entered information includes the qualifying information to obtain the selected interchange rate for the supplier. The qualifying information for a selected interchange rate may include tax information or additional line item detail information. Substitute information to be used as the qualifying information needed for the selected interchange rate is retrieved. The BIP system combines the retrieved substitute information with the entered information and outputs credit card transaction information so that the supplier is paid using the selected interchange rate.

Abstract: Methods and system for processing credit card payments, comprising receiving a credit card transaction, fabricating line item data to obtain favorable interchange rates for transactions, aggregating or disaggregating payments to obtain favorable interchange rates for transactions, and automatically deciding among various interchange rate options for transactions based on criteria chosen by the payer using these methods or system.

Abstract: Receiving payment requests at an from multiple payers for a common supplier, the payments are received by an entity that is separate from the common supplier and the multiple payees; aggregating the payment requests and creating a single aggregated payment request at a hub computing system, the aggregating and creating includes choosing an interchange rate at the aggregator for the aggregated payment that is lower than an interchange rate that at least one of the payment requests would qualify for if not aggregated; electronically transmitting the aggregated payment request from the hub computing system to an acquirer processor computing system associated with the supplier; creating a reconciliation report; and transmitting the reconciliation report to the supplier.

Abstract: Methods and system for processing credit card payments, comprising receiving a credit card transaction, fabricating line item data to obtain favorable interchange rates for transactions, aggregating or disaggregating payments to obtain favorable interchange rates for transactions, and automatically deciding among various interchange rate options for transactions based on criteria chosen by the payer using these methods or system.

Abstract: A system and methods for processing payment requests submitted by a payer through a single user interface. The system obtains a merchant identification and a processing platform associated with each payee. The system receives at least one payment request from the payer. Payment instructions are generated based on each payment request received from the payer. The system routes each of the payment instructions to an acquirer processor for authorization to be processed as a credit card transaction.