Phone number payments for bill payments users

Abstract

Described herein are methods and systems for registering a phone number as a payment facilitator. The phone number can be registered through a user's Bill Pay account, which is associated to the user's financial account. The user can specify the types of purchases that can be made using the phone number and request that a merchant processing a payment using the phone number convey customized details regarding the purchase. Purchase details associated with a purchase can then be provided to the consumer by the merchant. Also described herein are methods and systems for processing a payment using a phone number. The payment can be processed, in part, by a payment processor providing a consumer with a Bill Pay account associated with the consumer's financial account. The payment can be processed without the use of a credit card network and, as a result, without incurring unnecessary Interchange fees.