Abstract: A method of conducting payment against a specific invoice using a pseudo account and provisional accounts to improve the method of payments on a large-scale transaction system. Invoices may be delivered to a desired payer, and definitively marking that invoice as paid based on a matching of pseudo account and amount information. Some embodiments may include a payment system that delivers invoices, an account provisioning system that creates or selects accounts for assignment to specific invoices, an account monitoring system to continuously monitor destination bank accounts, and a payment reconciliation system for matching inbound payments to an invoice by utilizing bank account number and amount.