1. A method for processing a payment at an accumulator over a network, comprising: receiving employer information from an employer via the network; storing the employer information; receiving employee information corresponding to an employee from the employer via the network; storing the employee information; receiving verification information from an intermediary that is distinct from the employer; verifying the employee information received from the employer using the verification information received from the intermediary; and when the employee information is verified, creating a payment corresponding to the employee information, submitting the payment to a financial clearinghouse via the network, and storing data related to the payment.