Abstract: Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated.

Abstract: Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated.

Abstract: Receiving at a payment system a request associated with a first party to make a payment to a second party. Recommendations for utilizing the payment are evaluated based on a profile of the second party. The payment and a recommendation for utilization of the payment are sent to the second party. The recommendation that is sent is based on a profile of the second party and may include shopping at a physical store, shopping at an online store, ordering from a catalog, saving in an account, ordering a credit card, ordering a debit card. A transaction fee associated with the payment, and a portion of the fee to be paid by each party is calculated.

Abstract: A computerized method and a system for contextual spending in person-to-person payments are provided. In example embodiments, a payment system may receive a request from a first party for making a payment to a second party. The payment system may send a recommendation for utilization of the payment to the second party. The payment system may also request and receive from the first party an instruction related to charging a transaction fee associated with the payment.

Abstract: An electronic invoice is associated with a transaction code. The electronic invoice may be provided by a merchant. The transaction code may be generated by a payment processing system. Two or more consumers may retrieve the electronic invoice using the transaction code. Based on the electronic invoice, the consumers may use the payment processing system to pay the merchant.

Abstract: A computerized method and a system for contextual spending in person-to-person payments are provided. In example embodiments, a payment system may receive a request from a first party for making a payment to a second party. The payment system may send a recommendation for utilization of the payment to the second party. The payment system may also request and receive from the first party an instruction related to charging a transaction fee associated with the payment.