Abstract: A device may verify the authorization of the payee by a payee identification server. A device may create a record in a database on the payee identification server, the record including, either directly or indirectly, payee identification information, payee address, payee phone number, payee tax information, one or more methods of payment accepted by the payee comprising a type of payment, institution information, and account information. A device may verify said record with one or more verification sources. A device may record the results of the verification in the record. A device may create a d-token to point to the record. A device may send the d-token to the payee. A device may receive, by the payee identification server, the d-token from a third party. A device may retrieve the one or more of the methods of the payment accepted by the payee.