Abstract: Systems and methods are provided for facilitating payment, at a courier terminal of a courier, on delivery of products offered by multiple different merchants. One exemplary method includes receiving, by a computing device, an order record from a merchant identifying a product ordered by a consumer and including a merchant ID for the merchant. The computing device then retrieves, from a data structure, a payment gateway address associated with the merchant ID and modifies the order record to include the payment gateway address. The payment gateway address is for a payment gateway associated with the merchant. The computing device then transmits the modified order record to the courier, thereby permitting the payment gateway address to be imposed on the courier terminal such that a payment account transaction initiated at the courier terminal for payment on delivery of the product is directed to an account specific to the merchant.

Abstract: A QR (quick response) code is scanned by a customer's payment-enabled mobile device to launch a payment account system transaction. The QR code includes the mobile phone number for a merchant's employee or associate. The mobile phone number is communicated through payment account system transaction messaging to the merchant's bank. The merchant's bank sends a confirmation message to the employee/associate to trigger completion of a related purchase transaction.