Abstract: Systems and methods for conversational transacting are disclosed. In one embodiment, a method may include: (1) receiving, by a merchant computer program, a payment instrument from a customer; (2) initiating, by the merchant computer program, a session with the customer by providing a session identifier for the session to a customer electronic device; (3) during the session: receiving, by the merchant computer program, a plurality of transactions from the customer, each with the session identifier; and authorizing, by the merchant computer program, each of the plurality of transactions with an issuer of the payment instrument; and (4) at an end of the session: aggregating, by the merchant computer program, the transactions that were authorized by the issuer; and submitting, by the merchant computer program, the aggregated transactions to the issuer for payment.

Abstract: A payment card has a generally planar body having a first side and a second side, and a plurality of acceptance attributes on the second side. The first side is formed without any acceptance attributes thereon. The first side may include artwork of an issuer of the payment card. The acceptance attributes may include, for example, a signature panel, a cardholder name, a card expiration date, at least one of a bar code and a magnetic stripe, and a card security code. A method of using such a card includes physically presenting the card to a merchant, and viewing, by the merchant, of at least needed ones of the acceptance attributes without the merchant being required to turn the card over.