Patent ID: 8712913

Claim:
A method comprising: providing options to a user to select a currency in which to make a payment from an account of the user, the options including a primary currency of the account of the user and a currency of a recipient, the primary currency of the account of the user and the currency of the recipient being different; receiving an indication of the selected currency in which to make the payment from the account of the user; determining, using a processor of a machine, whether the selected currency is the primary currency of the account of the user or the currency of the recipient; based on the selected currency being the currency of the recipient: causing conversion information to be presented to the user along with a request to confirm the payment in the currency of the recipient, and receiving confirmation from the user to proceed with the payment in the currency of the recipient, and funding the payment from the account of the user to the recipient in the selected currency, the funding comprising causing conversion of the payment to the selected currency using a current exchange rate, prior to an expiration time of the current exchange rate, based on the selected currency being the currency of the recipient.