coupled to a web server the server computer may be coupled to a database and may include any hardware software other logic or combination of the preceding for servicing the requests from one or more client computers the server computer may comprise one or more computational apparatuses and may use any of a variety of computing structures arrangements and compilations for servicing the requests from one or more client computers in some embodiments a server computer may comprise a computer readable medium coupled to the processor the computer readable medium comprises code for executing a method comprising receiving barcode data wherein an image of a two dimensional barcode on a physical payment token is captured with a camera in a mobile device and wherein the barcode data is based on the captured image and initiating a payment transaction with the barcode data u201c account holder data u201d can include information about an account holder the account holder can possess a payment card or other physical payment token that is issued by an issuer a u201c payment processing network u201d may include data processing subsystems networks and operations used to support and deliver authorization services exception file services and clearing and settlement services an exemplary payment processing network may include visanet u00ae payment processing networks such as visanet u00ae are able to process credit card transactions debit card transactions and.