a financial account issuer facilitating transactions between accounts is disclosed . the invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party . the invention also includes the options of interest payments , the use of different account issuers , different financial accounts , budget transfers , spend compartmentalization , cost - splitting , adjusting credit limits , loans , gifting , intermediary facilitating the transaction , transaction tracking , rapid funds availability , confidential transfer of funds , immediate initiation of shipment by a seller , releasing funds to a seller only after approval of the goods , services , or other value , demonstrating proof of payment , and recourse against a remote seller .