A method for implementing an anonymous payment card transaction, in either a face-to-face transaction or a MOTO transaction, in which the user is allowed to select an option for anonymous delivery of goods. The option is conveyed to a money source by means of a customization parameter. The customization parameter is used to customize generation of a user one-time payment card number, to customize a user identifier or as a customization variable that is included in a user transaction data packet which includes the user one-time payment card number and the user identifier. A delivery agent can be used to deliver the purchased goods to a delivery location that is not known by the merchant by use of a tracking identifier provided by the money source to the merchant and the delivery agent. After the purchased goods are delivered by the merchant to the delivery agent, they can be delivered to a destination location and held for pick-up, they can be delivered to a second delivery agent, or they can be delivered to a delivery address provided to the delivery agent. A person receiving the goods can prove entitlement to such goods by presentation of a delivery code or a dummy one-time payment card number that can also serve as proof of receipt and by used to trigger a charge for the goods once they have been received.