1. A method of automatically generating a bid solicitation during a purchase, comprising: receiving, via a transaction server, a selection of at least one product or service from a user for purchase from a vendor at defined purchase terms, wherein the selection is offered for purchase through an electronic commerce website; determining a plurality of vendors that have registered with the electronic commerce website to provide a bid action on the selection; transmitting a notification of the selection to the plurality of registered vendors; receiving before completion of the purchase a set of bid options from the plurality of registered vendors, wherein the set of bid options comprises a plurality of alternative terms to complete the purchase from at least one of the plurality of registered vendors; and presenting the set of bid options and the selection to the user before completing the purchase.