The invention provides systems and methods capable of effecting payment with a payment account that is different to the payment account associated with a payment device that initiated a payment transaction. An authorisation request message is modified by the invention to replace a cryptogram associated with the payment device with a cryptogram associated with the payment account that payment is to be taken from. A user may use a mobile communication device to communicate with a server storing associations between payment devices, such that the server can be consulted by a payment network server to determine which cryptogram to generate when modifying the authorisation request.