1. A method for a payor paying a merchant using a payment system, the method comprising: receiving account information for receiving funds using a money handler, wherein the account information identifies an account of the payor; generating a token that correlates to the account information; sending the token to the merchant, wherein the token uniquely identifies the payor and the merchant; receiving the token corresponding to a payment; authenticating the token was presented by the merchant; and transferring the payment from the payor to the merchant with the payment system.