PIN-less Debit Payment Processing

A method comprising:

• receiving a request to process payment information for a client;
• determining if the request comprises one or more of (1) a request to process the payment information as a credit transaction or (2) a request to process the payment information as a PIN-less debit transaction;
• and
• responsive to determining that the request comprises a request to process the payment information as a credit transaction, routing the payment information to be processed according to client-specific credit processing procedures;
• or
• responsive to determining that the request comprises a request to process the payment information as a PIN-less debit transaction, causing at least part of the payment information to be processed by a payment processor independent of a direct payment processing relationship between the client and the payment processor.

One or more computer-readable storage media storing one or more computer-executable modules, the modules comprising:

• a processing tool configured to determine, based at least in part on payment information received from a client, if the payment information may be processed as a PIN-less debit transaction and, responsive to a determination that the payment information may be processed as a PIN-less debit transaction, provide an indication to the client that the payment information may be processed as a PIN-less debit transaction;
• and
• a diverter tool separate from and associated with a payment processor, the PIN-less debit tool being configured to:
• receive the payment information from the client;
• determine if the payment information comprises a request to process the payment information as a PIN-less debit transaction;
• and, responsive to a determination that the payment information comprises a request to process the payment information as a PIN-less debit transaction, forward at least part of the payment information to the payment processor for processing as a PIN-less debit transaction.

A method implemented at least in part by a computing device, the method comprising:

• receiving payment information from a client;
• determining, based at least in part on the payment information, if the payment information may be processed as a PIN-less debit transaction;
• responsive to determining that the payment information may be processed as a PIN-less debit transaction, providing an indication to the client that the payment information may be processed as a PIN-less debit transaction;
• receiving a request from the client to process the payment information as a PIN-less debit transaction;
• and
• causing at least part of the payment information to be processed as a PIN-less debit transaction by a payment processor independent of a direct payment processing relationship between the client and the payment processor.

A method implemented at least in part by a computing device, the method comprising:

• providing, at a first user interface hosted by a client, a second user interface hosted by a PLD gateway server, the PLD gateway server being distinct from the client, and the second user interface being configured to receive payment information for the client;
• receiving, at the PLD gateway server, payment information entered into the second user interface;
• determining that the payment information comprises a request to process the payment information as a PIN-less debit transaction;
• forwarding at least part of the payment information from the PLD gateway server to a payment processor to be processed as a PIN-less debit transaction;
• and
• receiving an indication that the payment information was successfully processed.

One or more computer-readable storage media storing computer-executable instructions, the computer-executable instructions being executable to:

• provide a user interface hosted at a PIN-less debit platform to a web site hosted at a client, the user interface being configured to enable entry of payment information for a transaction with the client, the PIN-less debit platform being distinct from the client;
• receiving at the PIN-less debit platform payment information provided via the user interface;
• determining if the payment information comprises a request to process the payment information as a credit transaction or a request to process the payment information as a PIN-less debit transaction;
• and
• responsive to a determination that the payment information comprises a request to process the payment information as a credit transaction, routing the payment information to the client;
• or
• responsive to a determination that the payment information comprises a request to process the payment information as a PIN-less debit transaction, routing at least part of the payment information to a payment processor to be processed as a PIN-less debit transaction.