Abstract: The invention relates to a method for providing and executing, by a transaction server, of a payments service, which payment service is executed over a sales channel between at least two user registered to the service, the user being at least a buyer and at least a merchant, wherein the transaction server can be accessed through the sales channel by the communication unit of the at least one buyer and can be accessed by the sales unit of the at least one merchant, for processing the electronic transaction instruction as well as further commercial agreements between the buyer and the at least one merchant.