diff --git a/resources/sql/autopatches/20141007.fundmerchant.sql b/resources/sql/autopatches/20141007.fundmerchant.sql
new file mode 100644
--- /dev/null
+++ b/resources/sql/autopatches/20141007.fundmerchant.sql
@@ -0,0 +1,2 @@
+ALTER TABLE {$NAMESPACE}_fund.fund_initiative
+  ADD merchantPHID VARBINARY(64);
diff --git a/resources/sql/autopatches/20141007.phortunecartmerchant.sql b/resources/sql/autopatches/20141007.phortunecartmerchant.sql
new file mode 100644
--- /dev/null
+++ b/resources/sql/autopatches/20141007.phortunecartmerchant.sql
@@ -0,0 +1,5 @@
+ALTER TABLE {$NAMESPACE}_phortune.phortune_cart
+  ADD merchantPHID VARBINARY(64) NOT NULL;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_cart
+  ADD KEY `key_merchant` (merchantPHID);
diff --git a/resources/sql/autopatches/20141007.phortunecharge.sql b/resources/sql/autopatches/20141007.phortunecharge.sql
new file mode 100644
--- /dev/null
+++ b/resources/sql/autopatches/20141007.phortunecharge.sql
@@ -0,0 +1,16 @@
+TRUNCATE TABLE {$NAMESPACE}_phortune.phortune_charge;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_charge
+  DROP paymentProviderKey;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_charge
+  ADD merchantPHID VARBINARY(64) NOT NULL;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_charge
+  ADD providerPHID VARBINARY(64) NOT NULL;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_charge
+  ADD KEY `key_merchant` (merchantPHID);
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_charge
+  ADD KEY `key_provider` (providerPHID);
diff --git a/resources/sql/autopatches/20141007.phortunepayment.sql b/resources/sql/autopatches/20141007.phortunepayment.sql
new file mode 100644
--- /dev/null
+++ b/resources/sql/autopatches/20141007.phortunepayment.sql
@@ -0,0 +1,16 @@
+TRUNCATE TABLE {$NAMESPACE}_phortune.phortune_paymentmethod;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_paymentmethod
+  DROP providerType;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_paymentmethod
+  DROP providerDomain;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_paymentmethod
+  ADD merchantPHID VARBINARY(64) NOT NULL;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_paymentmethod
+  ADD providerPHID VARBINARY(64) NOT NULL;
+
+ALTER TABLE {$NAMESPACE}_phortune.phortune_paymentmethod
+  ADD KEY `key_merchant` (merchantPHID, accountPHID);
diff --git a/src/applications/fund/controller/FundInitiativeBackController.php b/src/applications/fund/controller/FundInitiativeBackController.php
--- a/src/applications/fund/controller/FundInitiativeBackController.php
+++ b/src/applications/fund/controller/FundInitiativeBackController.php
@@ -21,6 +21,14 @@
       return new Aphront404Response();
     }
 
+    $merchant = id(new PhortuneMerchantQuery())
+      ->setViewer($viewer)
+      ->withPHIDs(array($initiative->getMerchantPHID()))
+      ->executeOne();
+    if (!$merchant) {
+      return new Aphront404Response();
+    }
+
     $initiative_uri = '/'.$initiative->getMonogram();
 
     if ($initiative->isClosed()) {
@@ -73,7 +81,7 @@
         $cart_implementation = id(new FundBackerCart())
           ->setInitiative($initiative);
 
-        $cart = $account->newCart($viewer, $cart_implementation);
+        $cart = $account->newCart($viewer, $cart_implementation, $merchant);
 
         $purchase = $cart->newPurchase($viewer, $product);
         $purchase
diff --git a/src/applications/fund/controller/FundInitiativeEditController.php b/src/applications/fund/controller/FundInitiativeEditController.php
--- a/src/applications/fund/controller/FundInitiativeEditController.php
+++ b/src/applications/fund/controller/FundInitiativeEditController.php
@@ -48,6 +48,9 @@
     $e_name = true;
     $v_name = $initiative->getName();
 
+    $e_merchant = null;
+    $v_merchant = $initiative->getMerchantPHID();
+
     $v_desc = $initiative->getDescription();
 
     if ($is_new) {
@@ -65,10 +68,12 @@
       $v_desc = $request->getStr('description');
       $v_view = $request->getStr('viewPolicy');
       $v_edit = $request->getStr('editPolicy');
+      $v_merchant = $request->getStr('merchantPHID');
       $v_projects = $request->getArr('projects');
 
       $type_name = FundInitiativeTransaction::TYPE_NAME;
       $type_desc = FundInitiativeTransaction::TYPE_DESCRIPTION;
+      $type_merchant = FundInitiativeTransaction::TYPE_MERCHANT;
       $type_view = PhabricatorTransactions::TYPE_VIEW_POLICY;
       $type_edit = PhabricatorTransactions::TYPE_EDIT_POLICY;
 
@@ -83,6 +88,10 @@
         ->setNewValue($v_desc);
 
       $xactions[] = id(new FundInitiativeTransaction())
+        ->setTransactionType($type_merchant)
+        ->setNewValue($v_merchant);
+
+      $xactions[] = id(new FundInitiativeTransaction())
         ->setTransactionType($type_view)
         ->setNewValue($v_view);
 
@@ -110,6 +119,7 @@
         $validation_exception = $ex;
 
         $e_name = $ex->getShortMessage($type_name);
+        $e_merchant = $ex->getShortMessage($type_merchant);
 
         $initiative->setViewPolicy($v_view);
         $initiative->setEditPolicy($v_edit);
@@ -127,6 +137,45 @@
       $project_handles = array();
     }
 
+    $merchants = id(new PhortuneMerchantQuery())
+      ->setViewer($viewer)
+      ->requireCapabilities(
+        array(
+          PhabricatorPolicyCapability::CAN_VIEW,
+          PhabricatorPolicyCapability::CAN_EDIT,
+        ))
+      ->execute();
+
+    $merchant_options = array();
+    foreach ($merchants as $merchant) {
+      $merchant_options[$merchant->getPHID()] = pht(
+        'Merchant %d %s',
+        $merchant->getID(),
+        $merchant->getName());
+    }
+
+    if ($v_merchant && empty($merchant_options[$v_merchant])) {
+      $merchant_options = array(
+        $v_merchant => pht('(Restricted Merchant)'),
+      ) + $merchant_options;
+    }
+
+    if (!$merchant_options) {
+      return $this->newDialog()
+        ->setTitle(pht('No Valid Phortune Merchant Accounts'))
+        ->appendParagraph(
+          pht(
+            'You do not control any merchant accounts which can receive '.
+            'payments from this initiative. When you create an initiative, '.
+            'you need to specify a merchant account where funds will be paid '.
+            'to.'))
+        ->appendParagraph(
+          pht(
+            'Create a merchant account in the Phortune application before '.
+            'creating an initiative in Fund.'))
+        ->addCancelButton($this->getApplicationURI());
+    }
+
     $form = id(new AphrontFormView())
       ->setUser($viewer)
       ->appendChild(
@@ -136,6 +185,13 @@
           ->setValue($v_name)
           ->setError($e_name))
       ->appendChild(
+        id(new AphrontFormSelectControl())
+          ->setName('merchantPHID')
+          ->setLabel(pht('Pay To Merchant'))
+          ->setValue($v_merchant)
+          ->setError($e_merchant)
+          ->setOptions($merchant_options))
+      ->appendChild(
         id(new PhabricatorRemarkupControl())
           ->setName('description')
           ->setLabel(pht('Description'))
diff --git a/src/applications/fund/editor/FundInitiativeEditor.php b/src/applications/fund/editor/FundInitiativeEditor.php
--- a/src/applications/fund/editor/FundInitiativeEditor.php
+++ b/src/applications/fund/editor/FundInitiativeEditor.php
@@ -18,6 +18,7 @@
     $types[] = FundInitiativeTransaction::TYPE_DESCRIPTION;
     $types[] = FundInitiativeTransaction::TYPE_STATUS;
     $types[] = FundInitiativeTransaction::TYPE_BACKER;
+    $types[] = FundInitiativeTransaction::TYPE_MERCHANT;
     $types[] = PhabricatorTransactions::TYPE_VIEW_POLICY;
     $types[] = PhabricatorTransactions::TYPE_EDIT_POLICY;
 
@@ -36,6 +37,8 @@
         return $object->getStatus();
       case FundInitiativeTransaction::TYPE_BACKER:
         return null;
+      case FundInitiativeTransaction::TYPE_MERCHANT:
+        return $object->getMerchantPHID();
     }
 
     return parent::getCustomTransactionOldValue($object, $xaction);
@@ -50,6 +53,7 @@
       case FundInitiativeTransaction::TYPE_DESCRIPTION:
       case FundInitiativeTransaction::TYPE_STATUS:
       case FundInitiativeTransaction::TYPE_BACKER:
+      case FundInitiativeTransaction::TYPE_MERCHANT:
         return $xaction->getNewValue();
     }
 
@@ -67,6 +71,9 @@
       case FundInitiativeTransaction::TYPE_DESCRIPTION:
         $object->setDescription($xaction->getNewValue());
         return;
+      case FundInitiativeTransaction::TYPE_MERCHANT:
+        $object->setMerchantPHID($xaction->getNewValue());
+        return;
       case FundInitiativeTransaction::TYPE_STATUS:
         $object->setStatus($xaction->getNewValue());
         return;
@@ -89,6 +96,7 @@
       case FundInitiativeTransaction::TYPE_NAME:
       case FundInitiativeTransaction::TYPE_DESCRIPTION:
       case FundInitiativeTransaction::TYPE_STATUS:
+      case FundInitiativeTransaction::TYPE_MERCHANT:
       case FundInitiativeTransaction::TYPE_BACKER:
         // TODO: Maybe we should apply the backer transaction from here?
         return;
@@ -124,6 +132,46 @@
           $errors[] = $error;
         }
         break;
+      case FundInitiativeTransaction::TYPE_MERCHANT:
+        $missing = $this->validateIsEmptyTextField(
+          $object->getName(),
+          $xactions);
+        if ($missing) {
+          $error = new PhabricatorApplicationTransactionValidationError(
+            $type,
+            pht('Required'),
+            pht('Payable merchant is required.'),
+            nonempty(last($xactions), null));
+
+          $error->setIsMissingFieldError(true);
+          $errors[] = $error;
+        } else if ($xactions) {
+          $merchant_phid = last($xactions)->getNewValue();
+
+          // Make sure the actor has permission to edit the merchant they're
+          // selecting. You aren't allowed to send payments to an account you
+          // do not control.
+          $merchants = id(new PhortuneMerchantQuery())
+            ->setViewer($this->requireActor())
+            ->withPHIDs(array($merchant_phid))
+            ->requireCapabilities(
+              array(
+                PhabricatorPolicyCapability::CAN_VIEW,
+                PhabricatorPolicyCapability::CAN_EDIT,
+              ))
+            ->execute();
+          if (!$merchants) {
+            $error = new PhabricatorApplicationTransactionValidationError(
+              $type,
+              pht('Invalid'),
+              pht(
+                'You must specify a merchant account you control as the '.
+                'recipient of funds from this initiative.'),
+              last($xactions));
+            $errors[] = $error;
+          }
+        }
+        break;
     }
 
     return $errors;
diff --git a/src/applications/fund/storage/FundInitiative.php b/src/applications/fund/storage/FundInitiative.php
--- a/src/applications/fund/storage/FundInitiative.php
+++ b/src/applications/fund/storage/FundInitiative.php
@@ -13,6 +13,7 @@
 
   protected $name;
   protected $ownerPHID;
+  protected $merchantPHID;
   protected $description;
   protected $viewPolicy;
   protected $editPolicy;
@@ -52,6 +53,7 @@
         'name' => 'text255',
         'description' => 'text',
         'status' => 'text32',
+        'merchantPHID' => 'phid?',
       ),
       self::CONFIG_KEY_SCHEMA => array(
         'key_status' => array(
diff --git a/src/applications/fund/storage/FundInitiativeTransaction.php b/src/applications/fund/storage/FundInitiativeTransaction.php
--- a/src/applications/fund/storage/FundInitiativeTransaction.php
+++ b/src/applications/fund/storage/FundInitiativeTransaction.php
@@ -7,6 +7,7 @@
   const TYPE_DESCRIPTION = 'fund:description';
   const TYPE_STATUS = 'fund:status';
   const TYPE_BACKER = 'fund:backer';
+  const TYPE_MERCHANT = 'fund:merchant';
 
   public function getApplicationName() {
     return 'fund';
@@ -20,6 +21,27 @@
     return null;
   }
 
+  public function getRequiredHandlePHIDs() {
+    $phids = parent::getRequiredHandlePHIDs();
+
+    $old = $this->getOldValue();
+    $new = $this->getNewValue();
+
+    $type = $this->getTransactionType();
+    switch ($type) {
+      case FundInitiativeTransaction::TYPE_MERCHANT:
+        if ($old) {
+          $phids[] = $old;
+        }
+        if ($new) {
+          $phids[] = $new;
+        }
+        break;
+    }
+
+    return $phids;
+  }
+
   public function getTitle() {
     $author_phid = $this->getAuthorPHID();
     $object_phid = $this->getObjectPHID();
@@ -62,6 +84,20 @@
         return pht(
           '%s backed this initiative.',
           $this->renderHandleLink($author_phid));
+      case FundInitiativeTransaction::TYPE_MERCHANT:
+        if ($old === null) {
+          return pht(
+            '%s set this initiative to pay to %s.',
+            $this->renderHandleLink($author_phid),
+            $this->renderHandleLink($new));
+        } else {
+          return pht(
+            '%s changed the merchant receiving funds from this '.
+            'initiative from %s to %s.',
+            $this->renderHandleLink($author_phid),
+            $this->renderHandleLink($old),
+            $this->renderHandleLink($new));
+        }
     }
 
     return parent::getTitle();
diff --git a/src/applications/phortune/controller/PhortuneAccountViewController.php b/src/applications/phortune/controller/PhortuneAccountViewController.php
--- a/src/applications/phortune/controller/PhortuneAccountViewController.php
+++ b/src/applications/phortune/controller/PhortuneAccountViewController.php
@@ -89,13 +89,7 @@
     $id = $account->getID();
 
     $header = id(new PHUIHeaderView())
-      ->setHeader(pht('Payment Methods'))
-      ->addActionLink(
-        id(new PHUIButtonView())
-          ->setTag('a')
-          ->setHref($this->getApplicationURI($id.'/card/new/'))
-          ->setText(pht('Add Payment Method'))
-          ->setIcon(id(new PHUIIconView())->setIconFont('fa-plus')));
+      ->setHeader(pht('Payment Methods'));
 
     $list = id(new PHUIObjectItemListView())
       ->setUser($viewer)
diff --git a/src/applications/phortune/controller/PhortuneCartCheckoutController.php b/src/applications/phortune/controller/PhortuneCartCheckoutController.php
--- a/src/applications/phortune/controller/PhortuneCartCheckoutController.php
+++ b/src/applications/phortune/controller/PhortuneCartCheckoutController.php
@@ -23,6 +23,7 @@
     }
 
     $cancel_uri = $cart->getCancelURI();
+    $merchant = $cart->getMerchant();
 
     switch ($cart->getStatus()) {
       case PhortuneCart::STATUS_BUILDING:
@@ -83,6 +84,7 @@
     $methods = id(new PhortunePaymentMethodQuery())
       ->setViewer($viewer)
       ->withAccountPHIDs(array($account->getPHID()))
+      ->withMerchantPHIDs(array($merchant->getPHID()))
       ->withStatuses(array(PhortunePaymentMethod::STATUS_ACTIVE))
       ->execute();
 
@@ -142,14 +144,22 @@
 
     $method_control->setError($e_method);
 
-    $payment_method_uri = $this->getApplicationURI(
-      $account->getID().'/card/new/');
+    $account_id = $account->getID();
+
+    $payment_method_uri = $this->getApplicationURI("{$account_id}/card/new/");
+    $payment_method_uri = new PhutilURI($payment_method_uri);
+    $payment_method_uri->setQueryParams(
+      array(
+        'merchantID' => $merchant->getID(),
+        'cartID' => $cart->getID(),
+      ));
 
     $form = id(new AphrontFormView())
       ->setUser($viewer)
       ->appendChild($method_control);
 
-    $add_providers = PhortunePaymentProvider::getProvidersForAddPaymentMethod();
+    $add_providers = $this->loadCreatePaymentMethodProvidersForMerchant(
+      $merchant);
     if ($add_providers) {
       $new_method = phutil_tag(
         'a',
@@ -178,7 +188,7 @@
 
     $provider_form = null;
 
-    $pay_providers = PhortunePaymentProvider::getProvidersForOneTimePayment();
+    $pay_providers = $this->loadOneTimePaymentProvidersForMerchant($merchant);
     if ($pay_providers) {
       $one_time_options = array();
       foreach ($pay_providers as $provider) {
diff --git a/src/applications/phortune/controller/PhortuneController.php b/src/applications/phortune/controller/PhortuneController.php
--- a/src/applications/phortune/controller/PhortuneController.php
+++ b/src/applications/phortune/controller/PhortuneController.php
@@ -86,4 +86,50 @@
     }
   }
 
+  private function loadEnabledProvidersForMerchant(PhortuneMerchant $merchant) {
+    $viewer = $this->getRequest()->getUser();
+
+    $provider_configs = id(new PhortunePaymentProviderConfigQuery())
+      ->setViewer($viewer)
+      ->withMerchantPHIDs(array($merchant->getPHID()))
+      ->execute();
+    $providers = mpull($provider_configs, 'buildProvider', 'getID');
+
+    foreach ($providers as $key => $provider) {
+      if (!$provider->isEnabled()) {
+        unset($providers[$key]);
+      }
+    }
+
+    return $providers;
+  }
+
+  protected function loadCreatePaymentMethodProvidersForMerchant(
+    PhortuneMerchant $merchant) {
+
+    $providers = $this->loadEnabledProvidersForMerchant($merchant);
+    foreach ($providers as $key => $provider) {
+      if (!$provider->canCreatePaymentMethods()) {
+        unset($providers[$key]);
+        continue;
+      }
+    }
+
+    return $providers;
+  }
+
+  protected function loadOneTimePaymentProvidersForMerchant(
+    PhortuneMerchant $merchant) {
+
+    $providers = $this->loadEnabledProvidersForMerchant($merchant);
+    foreach ($providers as $key => $provider) {
+      if (!$provider->canProcessOneTimePayments()) {
+        unset($providers[$key]);
+        continue;
+      }
+    }
+
+    return $providers;
+  }
+
 }
diff --git a/src/applications/phortune/controller/PhortunePaymentMethodCreateController.php b/src/applications/phortune/controller/PhortunePaymentMethodCreateController.php
--- a/src/applications/phortune/controller/PhortunePaymentMethodCreateController.php
+++ b/src/applications/phortune/controller/PhortunePaymentMethodCreateController.php
@@ -11,28 +11,36 @@
 
   public function processRequest() {
     $request = $this->getRequest();
-    $user = $request->getUser();
+    $viewer = $request->getUser();
 
     $account = id(new PhortuneAccountQuery())
-      ->setViewer($user)
+      ->setViewer($viewer)
       ->withIDs(array($this->accountID))
       ->executeOne();
     if (!$account) {
       return new Aphront404Response();
     }
 
+    $merchant = id(new PhortuneMerchantQuery())
+      ->setViewer($viewer)
+      ->withIDs(array($request->getInt('merchantID')))
+      ->executeOne();
+    if (!$merchant) {
+      return new Aphront404Response();
+    }
+
     $cancel_uri = $this->getApplicationURI($account->getID().'/');
     $account_uri = $this->getApplicationURI($account->getID().'/');
 
-    $providers = PhortunePaymentProvider::getProvidersForAddPaymentMethod();
+    $providers = $this->loadCreatePaymentMethodProvidersForMerchant($merchant);
     if (!$providers) {
       throw new Exception(
         'There are no payment providers enabled that can add payment '.
         'methods.');
     }
 
-    $provider_key = $request->getStr('providerKey');
-    if (empty($providers[$provider_key])) {
+    $provider_id = $request->getInt('providerID');
+    if (empty($providers[$provider_id])) {
       $choices = array();
       foreach ($providers as $provider) {
         $choices[] = $this->renderSelectProvider($provider);
@@ -53,16 +61,16 @@
         ->addCancelButton($account_uri);
     }
 
-    $provider = $providers[$provider_key];
+    $provider = $providers[$provider_id];
 
     $errors = array();
     if ($request->isFormPost() && $request->getBool('isProviderForm')) {
       $method = id(new PhortunePaymentMethod())
         ->setAccountPHID($account->getPHID())
-        ->setAuthorPHID($user->getPHID())
-        ->setStatus(PhortunePaymentMethod::STATUS_ACTIVE)
-        ->setProviderType($provider->getProviderType())
-        ->setProviderDomain($provider->getProviderDomain());
+        ->setAuthorPHID($viewer->getPHID())
+        ->setMerchantPHID($merchant->getPHID())
+        ->setProviderPHID($provider->getProviderConfig()->getPHID())
+        ->setStatus(PhortunePaymentMethod::STATUS_ACTIVE);
 
       if (!$errors) {
         $errors = $this->processClientErrors(
@@ -97,12 +105,21 @@
       if (!$errors) {
         $method->save();
 
-        $save_uri = new PhutilURI($account_uri);
-        $save_uri->setFragment('payment');
-        return id(new AphrontRedirectResponse())->setURI($save_uri);
+        // If we added this method on a cart flow, return to the cart to
+        // check out.
+        $cart_id = $request->getInt('cartID');
+        if ($cart_id) {
+          $next_uri = $this->getApplicationURI(
+            "cart/{$cart_id}/checkout/?paymentMethodID=".$method->getID());
+        } else {
+          $next_uri = new PhutilURI($account_uri);
+          $next_uri->setFragment('payment');
+        }
+
+        return id(new AphrontRedirectResponse())->setURI($next_uri);
       } else {
         $dialog = id(new AphrontDialogView())
-          ->setUser($user)
+          ->setUser($viewer)
           ->setTitle(pht('Error Adding Payment Method'))
           ->appendChild(id(new AphrontErrorView())->setErrors($errors))
           ->addCancelButton($request->getRequestURI());
@@ -114,10 +131,11 @@
     $form = $provider->renderCreatePaymentMethodForm($request, $errors);
 
     $form
-      ->setUser($user)
+      ->setUser($viewer)
       ->setAction($request->getRequestURI())
       ->setWorkflow(true)
-      ->addHiddenInput('providerKey', $provider_key)
+      ->addHiddenInput('providerID', $provider_id)
+      ->addHiddenInput('cartID', $request->getInt('cartID'))
       ->addHiddenInput('isProviderForm', true)
       ->appendChild(
         id(new AphrontFormSubmitControl())
@@ -145,7 +163,7 @@
     PhortunePaymentProvider $provider) {
 
     $request = $this->getRequest();
-    $user = $request->getUser();
+    $viewer = $request->getUser();
 
     $description = $provider->getPaymentMethodDescription();
     $icon_uri = $provider->getPaymentMethodIcon();
@@ -165,8 +183,8 @@
       ->setSubtext($details);
 
     $form = id(new AphrontFormView())
-      ->setUser($user)
-      ->addHiddenInput('providerKey', $provider->getProviderKey())
+      ->setUser($viewer)
+      ->addHiddenInput('providerID', $provider->getProviderConfig()->getID())
       ->appendChild($button);
 
     return $form;
diff --git a/src/applications/phortune/phid/PhortuneMerchantPHIDType.php b/src/applications/phortune/phid/PhortuneMerchantPHIDType.php
--- a/src/applications/phortune/phid/PhortuneMerchantPHIDType.php
+++ b/src/applications/phortune/phid/PhortuneMerchantPHIDType.php
@@ -30,7 +30,7 @@
 
       $id = $merchant->getID();
 
-      $handle->setName(pht('Merchant %d', $id));
+      $handle->setName(pht('Merchant %d %s', $id, $merchant->getName()));
       $handle->setURI("/phortune/merchant/{$id}/");
     }
   }
diff --git a/src/applications/phortune/provider/PhortunePaymentProvider.php b/src/applications/phortune/provider/PhortunePaymentProvider.php
--- a/src/applications/phortune/provider/PhortunePaymentProvider.php
+++ b/src/applications/phortune/provider/PhortunePaymentProvider.php
@@ -120,36 +120,6 @@
       ->loadObjects();
   }
 
-  public static function getEnabledProviders() {
-    $providers = self::getAllProviders();
-    foreach ($providers as $key => $provider) {
-      if (!$provider->isEnabled()) {
-        unset($providers[$key]);
-      }
-    }
-    return $providers;
-  }
-
-  public static function getProvidersForAddPaymentMethod() {
-    $providers = self::getEnabledProviders();
-    foreach ($providers as $key => $provider) {
-      if (!$provider->canCreatePaymentMethods()) {
-        unset($providers[$key]);
-      }
-    }
-    return $providers;
-  }
-
-  public static function getProvidersForOneTimePayment() {
-    $providers = self::getEnabledProviders();
-    foreach ($providers as $key => $provider) {
-      if (!$provider->canProcessOneTimePayments()) {
-        unset($providers[$key]);
-      }
-    }
-    return $providers;
-  }
-
   abstract public function isEnabled();
 
   abstract public function getPaymentMethodDescription();
diff --git a/src/applications/phortune/query/PhortuneCartQuery.php b/src/applications/phortune/query/PhortuneCartQuery.php
--- a/src/applications/phortune/query/PhortuneCartQuery.php
+++ b/src/applications/phortune/query/PhortuneCartQuery.php
@@ -66,6 +66,21 @@
       $cart->attachAccount($account);
     }
 
+    $merchants = id(new PhortuneMerchantQuery())
+      ->setViewer($this->getViewer())
+      ->withPHIDs(mpull($carts, 'getMerchantPHID'))
+      ->execute();
+    $merchants = mpull($merchants, null, 'getPHID');
+
+    foreach ($carts as $key => $cart) {
+      $merchant = idx($merchants, $cart->getMerchantPHID());
+      if (!$merchant) {
+        unset($carts[$key]);
+        continue;
+      }
+      $cart->attachMerchant($merchant);
+    }
+
     $implementations = array();
 
     $cart_map = mgroup($carts, 'getCartClass');
diff --git a/src/applications/phortune/query/PhortunePaymentMethodQuery.php b/src/applications/phortune/query/PhortunePaymentMethodQuery.php
--- a/src/applications/phortune/query/PhortunePaymentMethodQuery.php
+++ b/src/applications/phortune/query/PhortunePaymentMethodQuery.php
@@ -6,6 +6,7 @@
   private $ids;
   private $phids;
   private $accountPHIDs;
+  private $merchantPHIDs;
   private $statuses;
 
   public function withIDs(array $ids) {
@@ -23,6 +24,11 @@
     return $this;
   }
 
+  public function withMerchantPHIDs(array $phids) {
+    $this->merchantPHIDs = $phids;
+    return $this;
+  }
+
   public function withStatuses(array $statuses) {
     $this->statuses = $statuses;
     return $this;
@@ -44,15 +50,6 @@
   }
 
   protected function willFilterPage(array $methods) {
-    foreach ($methods as $key => $method) {
-      try {
-        $method->buildPaymentProvider();
-      } catch (Exception $ex) {
-        unset($methods[$key]);
-        continue;
-      }
-    }
-
     $accounts = id(new PhortuneAccountQuery())
       ->setViewer($this->getViewer())
       ->withPHIDs(mpull($methods, 'getAccountPHID'))
@@ -68,6 +65,36 @@
       $method->attachAccount($account);
     }
 
+    $merchants = id(new PhortuneMerchantQuery())
+      ->setViewer($this->getViewer())
+      ->withPHIDs(mpull($methods, 'getMerchantPHID'))
+      ->execute();
+    $merchants = mpull($merchants, null, 'getPHID');
+
+    foreach ($methods as $key => $method) {
+      $merchant = idx($merchants, $method->getMerchantPHID());
+      if (!$merchant) {
+        unset($methods[$key]);
+        continue;
+      }
+      $method->attachMerchant($merchant);
+    }
+
+    $provider_configs = id(new PhortunePaymentProviderConfigQuery())
+      ->setViewer($this->getViewer())
+      ->withPHIDs(mpull($methods, 'getProviderPHID'))
+      ->execute();
+    $provider_configs = mpull($provider_configs, null, 'getPHID');
+
+    foreach ($methods as $key => $method) {
+      $provider_config = idx($provider_configs, $method->getProviderPHID());
+      if (!$provider_config) {
+        unset($methods[$key]);
+        continue;
+      }
+      $method->attachProviderConfig($provider_config);
+    }
+
     return $methods;
   }
 
@@ -95,6 +122,13 @@
         $this->accountPHIDs);
     }
 
+    if ($this->merchantPHIDs !== null) {
+      $where[] = qsprintf(
+        $conn,
+        'merchantPHID IN (%Ls)',
+        $this->merchantPHIDs);
+    }
+
     if ($this->statuses !== null) {
       $where[] = qsprintf(
         $conn,
diff --git a/src/applications/phortune/storage/PhortuneAccount.php b/src/applications/phortune/storage/PhortuneAccount.php
--- a/src/applications/phortune/storage/PhortuneAccount.php
+++ b/src/applications/phortune/storage/PhortuneAccount.php
@@ -58,9 +58,10 @@
 
   public function newCart(
     PhabricatorUser $actor,
-    PhortuneCartImplementation $implementation) {
+    PhortuneCartImplementation $implementation,
+    PhortuneMerchant $merchant) {
 
-    $cart = PhortuneCart::initializeNewCart($actor, $this);
+    $cart = PhortuneCart::initializeNewCart($actor, $this, $merchant);
 
     $cart->setCartClass(get_class($implementation));
     $cart->attachImplementation($implementation);
diff --git a/src/applications/phortune/storage/PhortuneCart.php b/src/applications/phortune/storage/PhortuneCart.php
--- a/src/applications/phortune/storage/PhortuneCart.php
+++ b/src/applications/phortune/storage/PhortuneCart.php
@@ -11,6 +11,7 @@
 
   protected $accountPHID;
   protected $authorPHID;
+  protected $merchantPHID;
   protected $cartClass;
   protected $status;
   protected $metadata = array();
@@ -18,14 +19,17 @@
   private $account = self::ATTACHABLE;
   private $purchases = self::ATTACHABLE;
   private $implementation = self::ATTACHABLE;
+  private $merchant = self::ATTACHABLE;
 
   public static function initializeNewCart(
     PhabricatorUser $actor,
-    PhortuneAccount $account) {
+    PhortuneAccount $account,
+    PhortuneMerchant $merchant) {
     $cart = id(new PhortuneCart())
       ->setAuthorPHID($actor->getPHID())
       ->setStatus(self::STATUS_BUILDING)
-      ->setAccountPHID($account->getPHID());
+      ->setAccountPHID($account->getPHID())
+      ->setMerchantPHID($merchant->getPHID());
 
     $cart->account = $account;
     $cart->purchases = array();
@@ -63,7 +67,8 @@
       ->setAccountPHID($account->getPHID())
       ->setCartPHID($this->getPHID())
       ->setAuthorPHID($actor->getPHID())
-      ->setPaymentProviderKey($provider->getProviderKey())
+      ->setMerchantPHID($this->getMerchant()->getPHID())
+      ->setProviderPHID($provider->getProviderConfig()->getPHID())
       ->setAmountAsCurrency($this->getTotalPriceAsCurrency());
 
     if ($method) {
@@ -154,6 +159,9 @@
         'key_account' => array(
           'columns' => array('accountPHID'),
         ),
+        'key_merchant' => array(
+          'columns' => array('merchantPHID'),
+        ),
       ),
     ) + parent::getConfiguration();
   }
@@ -182,6 +190,15 @@
     return $this->assertAttached($this->account);
   }
 
+  public function attachMerchant(PhortuneMerchant $merchant) {
+    $this->merchant = $merchant;
+    return $this;
+  }
+
+  public function getMerchant() {
+    return $this->assertAttached($this->merchant);
+  }
+
   public function attachImplementation(
     PhortuneCartImplementation $implementation) {
     $this->implementation = $implementation;
diff --git a/src/applications/phortune/storage/PhortuneCharge.php b/src/applications/phortune/storage/PhortuneCharge.php
--- a/src/applications/phortune/storage/PhortuneCharge.php
+++ b/src/applications/phortune/storage/PhortuneCharge.php
@@ -16,7 +16,8 @@
   protected $accountPHID;
   protected $authorPHID;
   protected $cartPHID;
-  protected $paymentProviderKey;
+  protected $providerPHID;
+  protected $merchantPHID;
   protected $paymentMethodPHID;
   protected $amountAsCurrency;
   protected $status;
@@ -52,6 +53,12 @@
         'key_account' => array(
           'columns' => array('accountPHID'),
         ),
+        'key_merchant' => array(
+          'columns' => array('merchantPHID'),
+        ),
+        'key_provider' => array(
+          'columns' => array('providerPHID'),
+        ),
       ),
     ) + parent::getConfiguration();
   }
diff --git a/src/applications/phortune/storage/PhortunePaymentMethod.php b/src/applications/phortune/storage/PhortunePaymentMethod.php
--- a/src/applications/phortune/storage/PhortunePaymentMethod.php
+++ b/src/applications/phortune/storage/PhortunePaymentMethod.php
@@ -14,6 +14,7 @@
   protected $status;
   protected $accountPHID;
   protected $authorPHID;
+  protected $merchantPHID;
   protected $providerPHID;
   protected $expires;
   protected $metadata = array();
@@ -21,6 +22,8 @@
   protected $lastFourDigits;
 
   private $account = self::ATTACHABLE;
+  private $merchant = self::ATTACHABLE;
+  private $providerConfig = self::ATTACHABLE;
 
   public function getConfiguration() {
     return array(
@@ -39,6 +42,9 @@
         'key_account' => array(
           'columns' => array('accountPHID', 'status'),
         ),
+        'key_merchant' => array(
+          'columns' => array('merchantPHID', 'accountPHID'),
+        ),
       ),
     ) + parent::getConfiguration();
   }
@@ -57,6 +63,24 @@
     return $this->assertAttached($this->account);
   }
 
+  public function attachMerchant(PhortuneMerchant $merchant) {
+    $this->merchant = $merchant;
+    return $this;
+  }
+
+  public function getMerchant() {
+    return $this->assertAttached($this->merchant);
+  }
+
+  public function attachProviderConfig(PhortunePaymentProviderConfig $config) {
+    $this->providerConfig = $config;
+    return $this;
+  }
+
+  public function getProviderConfig() {
+    return $this->assertAttached($this->providerConfig);
+  }
+
   public function getDescription() {
     $provider = $this->buildPaymentProvider();
     return $provider->getPaymentMethodProviderDescription();
@@ -72,7 +96,7 @@
   }
 
   public function buildPaymentProvider() {
-    throw new Exception(pht('TODO: Reimplement this junk.'));
+    return $this->getProviderConfig()->buildProvider();
   }
 
   public function getDisplayName() {