A transaction manager system associates a payment account with a user to allow future transactions with the payment account to be conducted in online transactions, mobile transactions, and other transactions. A user enters payment account information, such as a credit card account or a debit card account, into a user interface of the transaction manager system. The user enters user credentials for the user account on the card issuer that issued the payment account. The transaction manager system requests an authorization hold on the user account with the card issuer system. The transaction manager system submits the provided user credentials to the card issuer system to verify that the authorization hold has been processed. The success of the verification is an indication that the user possesses the proper credentials for the user account. After the verification, the transaction manager system allows future transactions to be conducted.

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