Abstract: Embodiments of the invention are directed to systems, methods, and computer program products for flexible data routing of transactions using a single resource instrument. As such, the system results in increased flexibility of resource transfers by enabling a user to establish a virtual link between an account and a resource instrument not originally associated with said account. The user may then complete a transaction using a preferred account, despite the preferred resource instrument being not accepted or otherwise ineffective at a particular merchant. Furthermore, the system may activate data routing requests in real-time, allowing a user to rapidly complete a transaction from any location.