Abstract: Techniques described herein are directed to, among other things, enabling customers to order items from a merchant and initiate payment for the items via electronic messages sent from customer devices. For instance, when a first network of the merchant is inoperable, or when the merchant is operating at a location where a first network is unavailable, a customer and a merchant may communicate using electronic messages sent over a second network and may request to initiate payment for items via an electronic message sent over the second network.

Abstract: Technology related to processing multi-customer transactions is disclosed. In an example, an interactive element is generated for a transaction and an indication that a device of a first customer captured the interactive element is received. In response to receiving the indication, at least a portion of a listing of items associated with the transaction are presented via a user interface of the device of the first customer. A request to initiate a payment for one or more first items selected by the first customer from at least the portion of the listing of the items can be received and payment for an amount of the one or more first items using funds associated with an account of the first customer can be initiated, wherein a remaining balance associated with one or more remaining items associated with the transaction is payable by at least a second customer.