Abstract: According to an exemplary embodiment, a computer-implemented method of processing transactions initiated by a payer includes: providing administrative control that enables an administrator to specify predetermined transaction characteristics to be applied to subsequent electronic transactions; storing the predetermined transaction characteristics electronically; receiving an electronic payment authorization request submitted by a payee, the payment authorization request associated with a subsequent transaction initiated by the payer and having a set of submitted transaction characteristics; comparing the set of submitted transaction characteristics against the predetermined transaction characteristics; sending an approval or a denial of the payment authorization request to a payer fulfillment system on the basis of at least the results of the comparison.

Abstract: A computer-implemented method for controlling a payment transaction from a payer to a payee includes submitting a request for payment to a data processing machine, the request for payment including a set of submitted transaction characteristics for the payment transaction; and comparing, in the data processing machine, at least a portion of the set of submitted transaction characteristics to a set of predetermined transaction characteristics that are specific to the payer to determined a first payment decision for the payment transaction.