Abstract: Systems and methods are disclosed herein for a buyer who does not have an immediate source of funds to request funds in the form of instant cash from a third party account holder of a payment service provider for use in making purchases. The buyer may receive the pre-authorized instant cash in the form of a coupon code from the payment service provider on a mobile device. The seller, who has an account with the payment service provider, may transmit the coupon code and a security code to the payment service provider to request approval for the payment. When approved, the payment service provider may deduct a purchase amount from a balance in the instant cash and credit the amount to the seller's account. Advantageously, the buyer and the seller may easily and securely conduct business transactions even when the buyer does not have an immediate source of funds.