Patent ID: 8108278

Claim:
A computer-implemented method comprising: receiving a request for non-reversible payment for a sender, the request for non-reversible payment including a payment amount and a payment receiver identifier, the payment receiver identifier associated with a payment receiver; in response to the receiving of the request for non-reversible payment, disabling, using one or more processors, a credit card funding source from a plurality of available sender accounts, the disabling of the credit card funding source prevents the sender from selecting a funding source for the payment from which the sender can later dispute; receiving, from the sender, a selection of a sender account from the plurality of available sender accounts, the selection is based on the disabling of the credit card funding source; decreasing, the sender account of the sender by the payment amount; increasing a payment receiving account of the payment receiver by the payment amount; and providing a notification of non-reversible payment to the payment receiver that the increasing of the payment receiver account by the payment amount is non-reversible.