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: 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.