1. A method of processing payments globally over one of a plurality of payment processing paths, comprising: receiving, using a financial institution processor, a request to access a global payment utility; presenting, using the financial institution processor, a plurality of payment options by the global payment utility; receiving, using the financial institution processor, information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle; selecting, using the financial institution processor, one of a plurality of payment processing paths for the payment according to a clearing rules aspect of a rules engine of the global payment utility based at least in part on payment processing paths available via the user-designated payment vehicle and at least in part on a comparison of processing costs of each of the payment processing paths available via the user-designated payment vehicle; and processing, using the financial institution processor, the payment via the selected payment processing path.