Initiation of a purchase at an online shop or other retailer can be detected. In addition to, or instead of a payment method integrated with the online shop, one or more alternative payment services that are not integrated with the online shop or retailer can be considered for selection. A non-integrated payment service can be selected based on terms offered by the non-integrated payment service. The selected goods or services can be paid for by the non-integrated payment service using a virtual credit card. The user can reimburse the non-integrated payment service under the terms offered by the non-integrated payment service.