Abstract: A payment service is configured to support purchase transactions generated by merchant point-of-sale (POS) devices. As transactions are conducted, the payment service evaluates, for each transaction, the risk of subsequent chargeback. The payment service then notifies the merchant that expedited payment is available for transactions having low risks of chargeback. The merchant can select a user interface element to initiate expedited payment of the transactions via a debit card linked to the merchant's bank account. Other transactions are settled in a non-expedited manner, using a batch funds transfer.

Abstract: In some examples, a merchant device at a point of sale (POS) location may present information to a merchant in a first language preferred by the merchant, and may present information to a buyer in a second language preferred by the buyer. The merchant device may switch between the different languages in response to detecting a change in the physical orientation of a display. For instance, in a first orientation in which the display is viewable from a merchant direction, the merchant device may present information in the language preferred by the merchant. When the orientation of the display is changed to a second orientation in which the display is viewable from a buyer direction, the merchant device may present information in the language indicated to be preferred by the buyer. Various techniques may be used for determining the preferred language of a particular buyer.

Abstract: In some examples, a merchant device at a point of sale (POS) location may present information to a merchant in a first language preferred by the merchant, and may present information to a buyer in a second language preferred by the buyer. The merchant device may switch between the different languages in response to detecting a change in the physical orientation of a display. For instance, in a first orientation in which the display is viewable from a merchant direction, the merchant device may present information in the language preferred by the merchant. When the orientation of the display is changed to a second orientation in which the display is viewable from a buyer direction, the merchant device may present information in the language indicated to be preferred by the buyer. Various techniques may be used for determining the preferred language of a particular buyer.

Abstract: In some examples, a merchant device may control access to features based on an orientation of a display. For instance, the merchant device may present a first user interface (UI) for enabling a merchant to enter transaction information. Subsequently, the merchant device may present a second UI to enable the buyer to interact toward completion of the transaction, and the merchant may change the orientation of the display to face the buyer. While the display is oriented in the buyer direction, access to the merchant UI is prevented, thereby preventing initiation of a new transaction, cancellation of transaction, etc. When the display is returned to the first orientation, i.e., facing the merchant, the merchant device may enable certain UI features such as for initiating a new transaction, canceling a transaction, or perform other functions that a buyer may have been restricted from performing.

Abstract: A method for managing the use of a gift card with a personal financial management application (PFMA), including storing a balance of the gift card in the PFMA, obtaining, using a central processor (CPU) of a computer and within the PFMA, a transaction of a user, identifying, using the CPU, the gift card as a payment source of the transaction, and adjusting, using the CPU and in response to identifying the gift card as the payment source, the balance in the PFMA based on the transaction.