Abstract: A user is able to change one or more payment options after payment has already been made to a merchant. A payment provider processes a payment request during a transaction with the merchant with default or selected payment options. After the transaction with the merchant is completed and the merchant has been paid, the user may change one or more of the payment options, such as funding source(s) and terms/conditions of payment (e.g., deferment period, installment period/amount, etc.). During the transaction, the user may make a purchase through the payment provider even if the user does not have an account with the payment provider by providing user information, such as name, address, phone number, email address, and date of birth, but not a social security number or funding source information.

Abstract: Various methods and systems are provided to facilitate on-line transactions through the issuance of incentives based on a current transaction between a merchant and consumer. A payment provider determines a suitable incentive for the consumer during the transaction and may also use data about the consumer from previous transactions. The incentive is provided, such as on the merchant website, so that the consumer can use it during the transaction for a highly likelihood of increasing the purchase.