A computer-implemented method, comprising: generating, by a payment provider system, a first digital token corresponding to a first digital wallet account of a user that is unusable for a payment transaction to purchase an item from a merchant; receiving, by the payment provider system, a payment request to purchase the item from the merchant, the payment request including an account identifier corresponding to the first digital wallet account, the first digital wallet account corresponding to a plurality of payment methods included in a second digital wallet account provided by the merchant; identifying, by the payment provider system, the first digital token using the account identifier, generating, by the payment provider system, a second digital token usable for the payment transaction based on the first digital token, wherein the second digital token comprises routing information that enables an existing card payment network to route a card transaction message back to the payment provider system; generating, by the payment provider system, the card transaction message comprising the second digital token and dummy card account information; generating, by the payment provider system, a unique identifier by applying a hash function to the second digital token and the dummy card account information; transmitting, to the existing card payment network by the payment provider system, the card transaction message; receiving, by the payment provider system, based on the routing information from the second digital token, the card transaction message from the existing card payment network; determining, by the payment provider system, the account identifier and a second unique identifier based on the second digital token from the card transaction message wherein the second unique identifier is obtained by applying the hash function to the second digital token and the dummy card account information from the received card transaction message; and if the unique identifier and the second unique identifier are equal, and based on the account identifier, processing, by the payment provider system, the payment request between the user and the merchant. generating, by a payment provider system, a first digital token corresponding to a first digital wallet account of a user that is unusable for a payment transaction to purchase an item from a merchant; receiving, by the payment provider system, a payment request to purchase the item from the merchant, the payment request including an account identifier corresponding to the first digital wallet account, the first digital wallet account corresponding to a plurality of payment methods included in a second digital wallet account provided by the merchant; identifying, by the payment provider system, the first digital token using the account identifier, generating, by the payment provider system, a second digital token usable for the payment transaction based on the first digital token, wherein the second digital token comprises routing information that enables an existing card payment network to route a card transaction message back to the payment provider system; generating, by the payment provider system, the card transaction message comprising the second digital token and dummy card account information; generating, by the payment provider system, a unique identifier by applying a hash function to the second digital token and the dummy card account information; transmitting, to the existing card payment network by the payment provider system, the card transaction message; receiving, by the payment provider system, based on the routing information from the second digital token, the card transaction message from the existing card payment network; determining, by the payment provider system, the account identifier and a second unique identifier based on the second digital token from the card transaction message wherein the second unique identifier is obtained by applying the hash function to the second digital token and the dummy card account information from the received card transaction message; and if the unique identifier and the second unique identifier are equal, and based on the account identifier, processing, by the payment provider system, the payment request between the user and the merchant.