Visa International Service Association

Jeffrey Kusheba

Krishna Prasad Koganti

Phil Kumnick

Davidson Wuichet

Lloyd Cato

Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.

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Litchfield Park, AZ, United States of America

Jeffrey Kusheba