Abstract: The present disclosure is for a system and a method for disaggregating point-of-sale terminals in coupon or token based transactions wherein buyers may initiate a purchase transaction via a computing device and/or their mobile-wallets and sellers may complete the transaction on their point-of-sale terminals, which may not have digital payment processing capabilities. Unlike traditional coupon or token redemption systems, which require communication from a point-of-sale terminal and a user device (and the related infrastructure required to integrate the two systems), systems and methods of the present enable verification using a single device.