Abstract: Systems and methods for controlling and/or authorizing payment transaction are described which may facilitate verification that payment transactions initiated with a payment token of a user are in fact vetted by user-configured rules. According to some examples, a method for controlling payment transactions may include storing a firs and second sets of rules in a database, which rules are configurable by a user. The method may further include communicating and/or applying the first set of rules by a first entity, such as a merchant, a payment network, or other payment acceptance provider. A payment transaction may be routed to a particular network as a result of the application of the first set of rules. During a verification stage, a second set of rules may be applied at the issuer level to determine whether or not user-configured rules have been applied.