Abstract: A computer-implemented method or a system including a processor and a memory may include instructions for receiving instructions from a sender computing system to facilitate sending a payment to a receiver computing system. The instructions may include a value and identifying information for both the sender computer system and the receiver computer system. The sender computer system may be indicated in financial institution system account data at a financial institution system and the receiver computer system may not be indicated in the financial institution system account data at the financial institution system. Further, no peer-to-peer payment system may include both the sender computer system and the receiver computer system. The memory may also include instructions for provisioning a virtual debit card including identifying information for the receiver computer system, adding the value to the virtual debit card, and sending the virtual debit card to the receiver computer system.