SYSTEM AND METHODS FOR ACCEPTING DUAL FUNCTION PAYMENT CREDENTIAL

The invention relates to a system and method for accepting dual function payment credential. A transaction authorization request message is received. The message includes a payment token and a merchant identifier. The payment token is detokenized to detect account mapping for the payment token. From the account mapping, it is determined that a debit transaction option and an ACH (automated clearing house) transaction option exist for the payment token. A selection is made between the debit transaction option and the ACH transaction option based at least in part on the merchant identifier. 本公开涉及接受双重功能支付凭证的系统和方法。接收交易授权请求消息。所述消息包括支付令牌和商家标识符。使支付令牌去令牌化，以检测针对支付令牌的账户映射。根据账户映射，确定对于所述支付令牌，存在借记交易选项和ACH(自动清算所)交易选项。至少部分基于商家标识符，在借记交易选项和ACH交易选项之间进行选择。