Money order debit from stored value fund

A method for transferring a credit amount out of an online system using a payment instrument, the method comprising:

• receiving pay-out instructions at a server computer system from a wide-area computer network coupled to a payor, wherein the pay-out instructions include at least two of a payee, a delivery location, and the credit amount;
• determining a first handler associated with the payor;
• transferring the credit amount from the first handler to the online system;
• creating a temporary stored value fund for one of the payor and the payee if a stored value fund does not exist for the one;
• storing the credit amount in the temporary stored value fund;
• determining a second handler for preparation of the payment instrument according to the pay-out instructions;
• sending the pay-out instructions to the second handler;
• and
• transferring the credit amount from the temporary stored value fund to the second handler.

A method for transferring a credit amount out of an online system using a payment instrument, the method comprising:

• receiving pay-out instructions at a server computer system from a wide-area computer network coupled to a payor, wherein the pay-out instructions include at least two of a payee, a delivery location, and the credit amount;
• determining a first handler associated with the payor;
• transferring the credit amount from the first handler to the online system;
• storing the credit amount in a stored value fund associated with one of the payor and payee;
• determining a second handler for preparation of the payment instrument according to the pay-out instructions;
• sending the pay-out instructions to the second handler;
• and
• transferring the credit amount from the stored value fund to the second handler.