Patent ID: 8010424

Claim:
A computer-implemented method, comprising: storing, by a service provider, data associated with prior payments to a payee directed by the service provider on behalf of one or more payors, the stored data associated with prior payments comprising information associated with at least one payment for which funds could not be recouped from the payee by the service provider subsequent to a determination that the at least one payment should be reversed; storing, by the service provider, data associated with the payee including (i) an indicator that the service provider has a reversibility agreement with the payee, and (ii) a first credit amount limit established by the service provider indicating a maximum amount per payment request the service provider is willing to issue as reversible credit with no further risk processing, wherein the first credit amount limit is determined based on the data associated with prior payments to the payee, and wherein the first credit amount limit is different than a second credit amount limit established by the payee that indicates a maximum amount per payment request for which the payee is willing to assume risk under the reversibility agreement; receiving, by the service provider, a request for the service provider to pay the payee on behalf of a payor, the payment request including information identifying a payment amount and the payee; determining, by the service provider, that the payment amount is less than the first credit amount limit; and upon determining that the payment amount is less than the first credit amount limit, directing, by the service provider, payment to the payee drawn on an account associated with the service provider; wherein the prior steps are performed by one or more service provider computers.