Systems and methods for extending credit to small/medium-sized enterprises

A method comprising:

• receiving, by a payment facilitator, issuance of a first credit account from an issuer, the credit account identified by a first account identification number;
• generating, by the payment facilitator, a virtual card number (VCN);
• and
• issuing, by the payment facilitator, a second credit account to a merchant, said second credit account identified by said generated VCN;
• said second credit account arranged to allow initiation of purchase transactions using the generated VCN, said purchase transactions submitted for approval by the issuer against the first credit account.

A method comprising:

• receiving a transaction authorization request message from a mobile device, the message for requesting a payment account transaction;
• routing the transaction authorization request message to an account issuer via a payment network;
• receiving a transaction authorization response message from the account issuer via the payment network, the transaction authorization response message indicating approval of the requested payment account transaction;
• and
• responding to the transaction response message by reporting the approved purchase transaction to a restrictions arbitration computer.