Abstract: A system is disclosed that monitors payment transactions of users across participating merchant sites, and that uses this information to determine payment service preferences of particular users. When a user initiates a checkout transaction on a merchant site, the system uses this preference information to attempt to identify a payment service that is both supported by the merchant site and preferred by the user. One of the methods includes receiving a request from a content server associated with a merchant site for a preferred option associated with a user, the request including information indicative of the user. Information describing options associated with the user are accessed, and the accessed information and information identifying options accepted by the merchant site are used to determine a preferred option. Information identifying the preferred option is provided to the content server.

Abstract: A system is disclosed that monitors payment transactions of users across participating merchant sites, and that uses this information to determine payment service preferences of particular users. When a user initiates a checkout transaction on a merchant site, the system uses this preference information to attempt to identify a payment service that is both supported by the merchant site and preferred by the user. One of the methods includes receiving a request from a content server associated with a merchant site for a preferred option associated with a user, the request including information indicative of the user. Information describing options associated with the user are accessed, and the accessed information and information identifying options accepted by the merchant site are used to determine a preferred option. Information identifying the preferred option is provided to the content server.