Abstract: A method for providing a toll payment service, the method includes establishing, by a renter, a toll payment account with a vehicle operator via a third-party entity, providing, to the renter, a toll payment service option, and determining whether the renter has accepted the toll payment service option. Responsive to a determination that the renter has accepted the toll payment service option, adding toll-usage credit to the toll payment account of the renter for an amount based upon anticipated needs of the renter prior to toll usage. The toll-usage credit from the toll payment account is utilized for paying one or more toll authorities for toll usage.