A two-part payment token is used during a transaction whereby a buyer obtains goods/services from a seller. The token, which does not identify the buyer, is given to a trusted third party (TTP) by the buyer. The TTP releases a first part of the token to the seller who then releases the goods/services to the buyer. Upon confirming receipt of the goods/services by the buyer, the TTP releases the second part of the payment token to the seller, who may then present both parts of the token to the buyer's bank to obtain payment.