Method for configuring guest checkout options

A computer implemented method of payment, the method comprising:

• transmitting, via a digital communications network, a hypertext transfer protocol (HTTP) cookie to a user computing device associated with a user, the HTTP cookie being identifiable as associated with the user;
• receiving, via the digital communication network, a guest transaction request for a guest transaction from the user computing device, the guest transaction request including a guest transaction value;
• identifying, via one or more processors, the HTTP cookie on the user computing device;
• associating, via the one or more processors, the identified HTTP cookie with the user;
• determining, via the one or more processors, a guest transaction total based on a number of prior guest transactions associated with the user;
• determining, via the one or more processors, that the guest transaction total is greater than a predetermined threshold number of transactions;
• determining, via the one or more processors, that the guest transaction value is lower than a predetermined minimum transaction value;
• and
• in response to the determination that the guest transaction total is greater than the predetermined threshold number of transactions and that the guest transaction value is lower than the predetermined minimum transaction value, removing a guest transaction option.