1. A method, comprising: receiving, by a service provider server computer, order information and a request to create an account record from a merchant computer over a first network communication channel, the order information associated with a transaction between a user computer and the merchant computer, the account record storing user information at the service provider server computer; rendering, by the service provider server computer, a hosted page on behalf of the merchant computer, the hosted page presenting at least a portion of the order information and at least an input field into which the user information may be input via the user computer; providing, by the service provider server computer, the rendered hosted page to the user computer, wherein the rendered hosted page is displayed on the user computer for the user to input the user information; receiving, by the service provider server computer, the user information from the user computer over a second network communication channel via the rendered hosted page; processing, by the service provider server computer, the transaction between the user computer and the merchant computer using the user information; creating, by the service provider server computer, an account record for the user if the user does not already have an account record, wherein the account record includes entries for one or more accounts of the user; tokenizing, by the service provider server computer, the user information, the tokenizing including: creating a unique token for each one of the one or more accounts of the user stored in the account record, wherein the unique token represents the user information, and storing the user information and the token in the account record; and sending, by the service provider server computer, a copy of the token to the merchant computer, wherein the sending causes the merchant computer to submit the token in a future transaction between the merchant computer and the user computer without requiring the user to provide the user information; during the future transaction: receiving, by the service provider server computer from the merchant computer, the copy of the token and a request to process a transaction involving the user; identifying, by the service provider server computer, the token in the account record of the user that matches the copy of the token provided by the merchant computer; obtaining, by the service provider server computer, the user information associated with the token; and responsive to the obtaining, processing, by the service provider server computer, the transaction using the user information associated with the token in the account record of the user instead of providing another rendered hosted page to the user computer for the user to input the user information.