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The service provides secure online payments for e-commerce and other online transactions via websites and mobile apps. A buyer establishes a confirmed account balance with the service prior to making the purchase and receives a voucher with a personal 16-digit PIN. The buyer can then enter the PIN to complete the purchase and release funds to the seller. The exchange is completed without entering personal data and storing it on a device or releasing it to the seller. API methods support identifying a specific customer account with the payment service and submitting a current purchase transaction for payment against the account. Methods also support customer authorization of the payment and processing the transaction through release of funds to the seller. The API provides for notification of transaction completion to both buyer and seller.