Abstract: System, apparatus, device, method and/or computer program product are disclosed for making a payment by a customer to a merchant using a peer-to-peer (P2P) payment identification of the customer for a commercial transaction between the merchant and the customer. Embodiments herein provide security protection to the merchant by not revealing a P2P payment identification of the merchant to the customer. A payment request including a customer-facing merchant identification to identify the merchant to the customer is sent to the customer, where the customer-facing merchant identification is different from the P2P payment identification of the merchant. The system is further integrated with a merchant server and the P2P payment system to fulfill the payment to the merchant, to track a status of the payment request, and to determine a status of the commercial transaction between the merchant and the customer.