Systems and methods of remittance processing where a merchant database is
provided that includes one or more alteration rules that are associated
with a particular payee. A consumer account number associated with a
payor is received and altered into a modified consumer account number,
where the alteration is performed in accordance with one or more of the
stored alteration rules. The modified consumer account number may then be
transmitted to the particular payee to be utilized, for example, when
processing a payment.