Abstract: Provided are computer-implemented methods for tracking data associated with an account to determine a score. Computer-implemented methods may include receiving transaction data associated with at least one transaction involving a merchant, determining a credit score of the merchant based on the at least one transaction involving the merchant, receiving transaction request data associated with an instant transaction involving the merchant and a supplier, transmitting an underwriting request message comprising score data associated with the credit score of the merchant and the transaction request data associated with the instant transaction, receiving an underwriting response message comprising an indication as to whether the instant transaction is underwritten by an underwriting institution, and transmitting transaction response data associated with a transaction response including an indication as to whether the instant transaction is underwritten. Systems and computer program products are also provided.