21. The method as recited in claim 20 , wherein determining the financial document is an eligible form of payment for the financial transaction is based on one or more predetermined ranking criteria selected from: an account associated with the financial document having an expiration date later than a date the financial transaction attempt is initiated; the financial document having been used to process a prior financial transaction with an entity also corresponding to the attempted financial transaction; a frequency of use of some or all of the plurality of financial documents being greater than a minimum frequency of use threshold; the frequency of use of some or all of the plurality of financial documents being less than a maximum frequency of use threshold; a recency of use of some or all of the plurality of financial documents being more than a minimum recency threshold; the recency of use of some or all of the plurality of financial documents being less than a maximum recency threshold; a frequency of use of some or all of the plurality of financial documents in at least one financial transaction between a user and the entity corresponding to the attempted financial transaction; and a recency of use of some or all of the plurality of financial documents in at least one financial transaction between the user and the entity corresponding to the attempted financial transaction.
21. The method as recited in claim 20 , wherein determining the financial document is an eligible form of payment for the financial transaction is based on one or more predetermined ranking criteria selected from: an account associated with the financial document having an expiration date later than a date the financial transaction attempt is initiated; the financial document having been used to process a prior financial transaction with an entity also corresponding to the attempted financial transaction; a frequency of use of some or all of the plurality of financial documents being greater than a minimum frequency of use threshold; the frequency of use of some or all of the plurality of financial documents being less than a maximum frequency of use threshold; a recency of use of some or all of the plurality of financial documents being more than a minimum recency threshold; the recency of use of some or all of the plurality of financial documents being less than a maximum recency threshold; a frequency of use of some or all of the plurality of financial documents in at least one financial transaction between a user and the entity corresponding to the attempted financial transaction; and a recency of use of some or all of the plurality of financial documents in at least one financial transaction between the user and the entity corresponding to the attempted financial transaction. 22. The method as recited in claim 21 , wherein the predetermined ranking criteria correspond to a predetermined window of time.