Abstract: Systems and methods are provided for processing electronic payment from a portable device that is associated with a user to a payment network via a merchant device and a gateway. The gateway can be notified when the user is in a merchant's premises. For example, the gateway can receive a token associated with the user's portable device and then use this token to retrieve the user's profile. The gateway can also receive a payment request initiated by the user, and in response, authenticate the user based on the user's profile, process the payment request, and notify the merchant if the payment is approved. During the payment process, the user advantageously does not need to share his or her personal or financial information at the point of sale in the merchant's premises.