"ing a money transfer where a target account is used unless the payee redirects payment; [0022]FIGS. 12A and 12B is a flow diagram of an embodiment of a process for paying-out funds from the payment enabler; [0023]FIG. 13 is a flow diagram of an embodiment of a process opening an account with the payment enabler; [0024]FIG. 14 is a flow diagram of an embodiment of a process for authenticating a use" . . . .