Abstract: A method for multi-user authorization of transactions via chat sessions is discussed. The method includes accessing, via a chat bot, a chat text in a chat session by a first chat application instance of a first device to a second chat application instance of a second device. The method includes determining, based on analysis of the chat text, onboarding intent of a transaction originating at the second device, the onboarding intent indicating that the transaction be performed at a payment system. Responsive to determining the onboarding intent, the method determines whether user of the first chat application instance has an account at the payment system. Responsive to determining that the user has the account at the payment system, communication is transmitted to the second device prompting the second device to authorize the chat bot to obtain authorization credentials, from the first device, for the transaction.