Abstract: A computer-implemented method, system, and computer program product for processing a payment comprises: receiving a transaction request from a payee, the transaction request including an identifier of a payor, and identifier of the payee, and a payment amount; prompting the payor to input login credentials for a payor-identified funding institution; receiving the login credentials from the payor; transmitting the login credentials to the funding institution; receiving, from the funding institution, information regarding one or more accounts at the funding institution linked to the payor; prompting the payor to select an account; and generating a fund transfer request to instruct a financial clearing house to transfer funds in the amount of the payment amount from the selected account to a receiving account associated with the payee.