Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. A determination is made as to if a requested payment amount is less than a certain amount. The certain amount is associated with the payee and is determined by the service provider, not the payee. If the payment amount is less than the certain amount, payment to the payee on behalf of the payor is made drawn on an account of the service provider.

Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. The service provider identifies one or more risk reduction techniques available for use in fulfilling a received payment request. The risk reduction techniques are identified based upon the received payment request. An identified technique is selected and payment is made according to that selected risk reduction technique.

Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provider. The service provider identifies those of multiple electronic debiting options available for completing a payment request. One of the identified options is selected and a payment account of the payee is electronically debited according to the selected option.

Abstract: A technique for making a payment to a payee on behalf of a payor is provided. A selection is made, based upon a received payment request, of a processing parameter from a group of processing parameters. The group of processing parameters consists of at least two of three processing parameters. The three processing parameters are a speed of processing, cost of processing, and a risk of processing. The payment is made according to the selected processing parameter.

Abstract: A technique for tailoring electronic commerce user interfaces for a consumer dependent upon from which of multiple electronic commerce sites the consumer requests access to an electronic commerce service is provided. A first consumer request for an electronic commerce service is received by an electronic commerce service provider from a first site. This first request includes both a consumer identifier and a site identifier. The identity of a first entity on whose behalf the electronic commerce service is provided by the service provider is determined based upon the site identifier. A first unique user interface is then selected dependent upon the site from which the first request is received. A second consumer request is received for the service from a second site. This second request includes the same consumer identifier and a different site identifier. The identity of a second entity on whose behalf the service provider provides the electronic commerce service is determined based upon the site identifier.