Facilitating payments for merchants that use multiple payment service providers
Facilitating payments for merchants that use multiple payment service providers (PSPs) is described. A first request may be received to establish a first on-file grant, wherein the first request indicates a first PSP used by a merchant. A request to associate a second PSP with the merchant may be received from a merchant device of the merchant, and a group association between the merchant, the first PSP, and the second PSP may be stored. A second request indicating that a transaction will be processed using the second PSP may be received, and, based on the group association, it may be determined that an identifier associated with a user account of a user can be used for the transaction. A second on-file grant may be established, and a response to the second request may be sent to indicate approval to use the identifier for payment of the transaction.
1 . A computer-implemented method comprising:
receiving, based on an input provided by a user, a first request to establish an on-file grant to enable a merchant to use an identifier associated with a user account of the user to process payments for future transactions, wherein the identifier is to be used as a payment proxy in lieu of payment data for paying for the future transactions, and wherein the first request indicates a first payment service provider (PSP) used by the merchant for processing payments;
creating, in a data structure, a first association between the user, the merchant, and the first PSP to establish the on-file grant;
receiving, from a merchant device of the merchant, a request to associate a second PSP with the merchant;
creating, in the data structure, a group association between the merchant, the first PSP, and the second PSP, wherein the group association enables the identifier to be used for the future transactions (i) regardless of whether the merchant uses the first PSP or the second PSP and (ii) without requiring the user to provide an additional input to establish an additional on-file grant to enable the merchant to use the identifier to process payments using the second PSP;
receiving a second request to use the identifier for a new transaction with the merchant, wherein the second request indicates that the new transaction will be processed using the second PSP;
determining, based on the group association, that the identifier can be used for the new transaction with the merchant;
creating, in the data structure, a second association between the user, the merchant, and the second PSP to establish the additional on-file grant; and
sending a response to the second request indicating approval to use the identifier for payment of the new transaction.
2 . The computer-implemented method of claim 1 , further comprising:
receiving, based on user input provided via the user interface in association with the visual indication, a request to revoke approval of the merchant to use the identifier for transactions with the user;
identifying, based on the group association, the on-file grant and the additional on-file grant; and
deleting the first association and the second association from the data structure to revoke the on-file grant and the additional on-file grant.
3 . The computer-implemented method of claim 1 , wherein the request to associate the second PSP with the merchant comprises a request to activate multi-PSP mode where the merchant can concurrently use the first PSP and the second PSP for processing payments using identifiers associated with user accounts of users.
4 . The computer-implemented method of claim 1 , wherein the payment data includes one of (i) a credit card number, (ii) a debit card number, or (iii) a bank account number, and the identifier has a particular syntax that includes a monetary currency indicator prefixing one or more alphanumeric characters.
5 . The computer-implemented method of claim 4 , wherein detection of the particular syntax triggers a transfer of funds from an account associated with the user to an account associated with the merchant for payment of the new transaction based on the currency indicator and the one or more alphanumeric characters.
6 . A system comprising:
one or more processors; and
memory storing computer-executable instructions that, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
receiving a first request to establish a first on-file grant to enable a merchant to use an identifier associated with a user account of a user to process payments for future transactions, wherein the identifier is to be used as a payment proxy in lieu of payment data for paying for the future transaction, and wherein the first request indicates a first payment service provider (PSP) used by the merchant for processing payments;
storing, in a data structure, a first association between the user, the merchant, and the first PSP to establish the first on-file grant;
receiving, from a merchant device of the merchant, a request to associate a second PSP with the merchant;
storing, in the data structure, a group association between the merchant, the first PSP, and the second PSP;
receiving a second request to use the identifier for a transaction with the merchant, wherein the second request indicates that the transaction will be processed using the second PSP;
determining, based at least in part on the group association, that the identifier can be used for the transaction with the merchant;
storing, in the data structure, a second association between the user, the merchant, and the second PSP to establish a second on-file grant; and
sending a response to the second request indicating approval to use the identifier for payment of the transaction.
7 . The system of claim 6 , wherein the request to associate the second PSP with the merchant comprises a request to concurrently use the first PSP and the second PSP for processing payments using identifiers associated with user accounts of users.
8 . The system of claim 6 , wherein the request to associate the second PSP with the merchant comprises a request to transition from using the first PSP to using the second PSP for processing payments using identifiers associated with user accounts of users.
9 . The system of claim 8 , the operations further comprising transferring data to a computing system associated with the second PSP, the data comprising existing on-file grant s associated with the merchant and the first PSP.
10 . The system of claim 6 , wherein the second PSP is associated with an entity that operates the system.
11 . The system of claim 6 , wherein the request to associate the second PSP with the merchant is received via a web portal or an application programming interface (API).
12 . The system of claim 6 , the operations further comprising, in response to the storing of the first association to establish the first on-file grant, causing presentation, via a user interface of a payment application executing on a user device of the user, of a visual indication that the merchant is approved to use the identifier for transactions with the user.
13 . The system of claim 12 , the operations further comprising, in response to the determining that the identifier can be used for the transaction with the merchant:
determining that the data structure includes data used for the causing of the presentation of the visual indication via the payment application executing on the user device; and
based at least in part on the determining that the data structure includes the data, refraining from storing additional data that would cause presentation, via the user interface, of an additional visual indication that the merchant is approved to use the identifier for transactions with the user.
14 . The system of claim 12 , the operations further comprising:
receiving, based on user input provided via the user interface in association with the visual indication, a request to revoke approval of the merchant to use the identifier for transactions with the user;
identifying, based at least in part on the group association, the first on-file grant and the second on-file grant; and
deleting the first association and the second association from the data structure to revoke the first on-file grant and the second on-file grant.
15 . The system of claim 6 , wherein:
the transaction is a second transaction with the merchant;
the first request is received in association with the user completing a first transaction with the merchant; and
the first transaction occurs before the second transaction.
16 . A computer-implemented method comprising:
receiving a first request to establish a first on-file grant to enable a merchant to use an identifier associated with a user account of a user to process payments for future transactions, wherein the identifier is to be used as a payment proxy in lieu of payment data for paying for future transactions, and wherein the first request indicates a first payment service provider (PSP) used by the merchant for processing payments;
storing, in a data structure, a first association between the user, the merchant, and the first PSP to establish the first on-file grant;
receiving, from a merchant device of the merchant, a request to associate a second PSP with the merchant;
storing, in the data structure, a group association between the merchant, the first PSP, and the second PSP;
receiving a second request to use the identifier for a transaction with the merchant, wherein the second request indicates that the transaction will be processed using the second PSP;
determining, based on the group association, that the identifier can be used for the transaction with the merchant;
storing, in the data structure, a second association between the user, the merchant, and the second PSP to establish a second on-file grant; and
sending a response to the second request indicating approval to use the identifier for payment of the transaction.
17 . The computer-implemented method of claim 16 , wherein the request to associate the second PSP with the merchant comprises a request to concurrently use the first PSP and the second PSP for processing payments using identifiers associated with user accounts of users.
18 . The computer-implemented method of claim 16 , wherein the request to associate the second PSP with the merchant comprises a request to transition from using the first PSP to using the second PSP for processing payments using identifiers associated with user accounts of users.
19 . The computer-implemented method of claim 16 , wherein the request to associate the second PSP with the merchant is received via a web portal or an application programming interface (API).
20 . The computer-implemented method of claim 16 , further comprising, in response to the storing of the first association to establish the first on-file grant, causing presentation, via a user interface of a payment application executing on a user device of the user, of a visual indication that the merchant is approved to use the identifier for transactions with the user.