Abstract: An example computing platform is configured to receive a request from a first user account of a first P2P payment service that a cross-service transaction be initiated with another user account of another P2P payment service. Based on the request, the computing platform generates a transaction identifier for the transaction and sends the identifier to the first P2P payment service's platform. Thereafter, the computing platform receives, from a second P2P payment service's platform, the transaction identifier and an identifier of a second user account of the second P2P payment service and responsively determines that the cross-service transaction comprises a transfer of funds between a first financial account associated with the first user account and a second financial account associated with the second user account. The computing platform then selects and causes a given payment rail platform to transfer funds between the first and second financial accounts.

Abstract: A first P2P payment service notifies a cross-service transaction platform of a request for a cross-service transaction between a first user account of the first P2P payment service and a second user account of a second P2P payment service. The first P2P payment service receives a transaction identifier for the cross-service transaction and causes the first user's client device to present the transaction identifier in a manner that enables the first user's client device to share the transaction identifier with the second user's client device. The second user's client device sends the transaction identifier to the second P2P payment service as part of a request to participate in the cross-service transaction. The second P2P payment service provides the cross-service transaction platform with the transaction identifier, and the cross-service transaction platform causes an appropriate payment rail provider to settle the cross-service transaction.