A method, comprising: receiving, by a service system, in response to a merchant having registered with the service system, a transmission from a merchant system, wherein the transmission comprises a merchant identifier, which identifies the merchant involved in a transaction; transmitting, by the service system, a service script via a network to the merchant system to integrate the service system into the merchant system, wherein through the integration between the merchant system and the service system, the service system provides the merchant system with a virtual terminal system; activating, by the service system, the virtual terminal system of the merchant system in response to identifying the merchant as a participating merchant, wherein the virtual terminal system is associated with an online store of the merchant; receiving, by the service system, a device identifier from the virtual terminal system, the device identifier being associated with a mobile device; matching, by the service system, a stored device identifier in an information database of the service system with the device identifier; transmitting, by the service system, the service script via the network to the mobile device to integrate the service system with the mobile device; activating, by the service system, a personal POS terminal on the mobile device associated with the stored device identifier, wherein the personal POS terminal is configured to accept payment using a virtual payment instrument stored in an electronic wallet executed on the mobile device or a physical payment instrument presented in close proximity to the mobile device; and receiving, by the service system, from the personal POS terminal through the network a payment token associated with a transaction account of the consumer for the transaction, the payment token being generated by the virtual payment instrument or the physical payment instrument. receiving, by a service system, in response to a merchant having registered with the service system, a transmission from a merchant system, wherein the transmission comprises a merchant identifier, which identifies the merchant involved in a transaction; transmitting, by the service system, a service script via a network to the merchant system to integrate the service system into the merchant system, wherein through the integration between the merchant system and the service system, the service system provides the merchant system with a virtual terminal system; activating, by the service system, the virtual terminal system of the merchant system in response to identifying the merchant as a participating merchant, wherein the virtual terminal system is associated with an online store of the merchant; receiving, by the service system, a device identifier from the virtual terminal system, the device identifier being associated with a mobile device; matching, by the service system, a stored device identifier in an information database of the service system with the device identifier; transmitting, by the service system, the service script via the network to the mobile device to integrate the service system with the mobile device; activating, by the service system, a personal POS terminal on the mobile device associated with the stored device identifier, wherein the personal POS terminal is configured to accept payment using a virtual payment instrument stored in an electronic wallet executed on the mobile device or a physical payment instrument presented in close proximity to the mobile device; and receiving, by the service system, from the personal POS terminal through the network a payment token associated with a transaction account of the consumer for the transaction, the payment token being generated by the virtual payment instrument or the physical payment instrument.