Payment services via application programming interface

An entity device associated with an entity, the system comprising:

• a network interface configured to communicate with a financial institution computing system associated with a financial institution and a user device associated with a user via a network;
• a memory;
• and
• at least one processor configured to:
• provide a website or a mobile application of a customer to a plurality of user devices, the plurality of user devices including the user device associated with the user, and wherein the customer is a merchant;
• receive a payment request from the user device for payment to the customer, wherein the payment request indicates that the user is providing a payment through a financial institution, and wherein the payment request comprises selection of an option for payment through the financial institution received via a user interface presented on the website or the mobile application of the customer;
• in response to receipt of the payment request via the user interface presented on the website or mobile application of the customer, transmit a customer authentication request and transaction information to the financial institution computing system, wherein the customer authentication request requests authorization of the customer that is to receive the payment from the user, wherein the customer authentication request requests access to a payment service application programming interface (API) of the financial institution computing system, and wherein the customer authentication request includes an identity of the entity as a subscriber to the payment service API;
• in response to authentication of the customer by the financial institution computing system, receive a redirect instruction from the financial institution computing system that instructs the entity device to display a login screen associated with the financial institution on the website or the mobile application provided by the entity device and being accessed by the user device;
• redirect the user device to the login screen associated with the financial institution on the website or the mobile application provided by the entity device via a login API, wherein the login API is configured to provide login credentials directly from the user device to the financial institution computing system, and wherein the login screen associated with the financial institution is displayed on the website or the mobile application of the customer and is pushed from the financial institution computing system to the website or the mobile application of the customer via the login API;
• receive a financial institution identification (FIID) for the user for registration with the customer;
• in response to verification of the FIID, transmit, via an identity API, a user information request to the financial institution computing system, to request user information for registration with the customer;
• receive the user information from the financial institution computing system in response to the user information request and in response to verification of the FIID;
• register the user with the customer using the user information, wherein registering the user with the customer using the user information comprises at least one of creating an online profile for the user with the customer and registering an account for the user with the customer;
• and
• receive a transaction confirmation from the financial institution computing system.

A non-transitory computer readable media with computer-executable instructions embodied thereon that, when executed by a processor of an entity device associated with an entity, cause the entity device to perform a process of facilitating a payment from a user to the entity, the process comprising:

• providing a website or a mobile application of a customer to a plurality of user devices, the plurality of user devices including a user device associated with the user, and wherein the customer is a merchant;
• receiving a payment request from the user device for payment to the customer, wherein the payment request indicates that the user is providing the payment through a financial institution, and wherein the payment request comprises selection of an option for payment through the financial institution received via a user interface presented on the website or the mobile application of the customer;
• in response to receipt of the payment request via the user interface presented on the website or mobile application of the customer, transmitting a customer authentication request and transaction information to a financial institution computing system associated with the financial institution, wherein the customer authentication request requests authorization of the customer that is to receive the payment from the user, wherein the customer authentication request requests access to a payment service application programming interface (API) of the financial institution computing system, and wherein the customer authentication request includes an identity of the entity as a subscriber to the payment service API;
• in response to authentication of the customer by the financial institution computing system, receiving a redirect instruction from the financial institution computing system that instructs the entity device to display a login screen associated with the financial institution on the website or the mobile application provided by the entity device and being accessed by the user device;
• redirecting the user device to the login screen associated with the financial institution on the website or the mobile application provided by the entity device via a login API, wherein the login API is configured to provide login credentials directly from the user device to the financial institution computing system, and wherein the login screen associated with the financial institution is displayed on the website or the mobile application of the customer and is pushed from the financial institution computing system to the website or the mobile application of the customer via the login API;
• receiving a financial institution identification (FIID) for the user for registration with the customer;
• in response to verification of the FIID, transmitting, by the entity device via an identity API, a user information request to the financial institution computing system, to request user information for registration with the customer;
• receiving, by the entity device, the user information from the financial institution computing system in response to the user information request and in response to verification of the FIID;
• registering, by the entity device, the user with the customer using the user information, wherein registering the user with the customer using the user information comprises at least one of creating an online profile for the user with the customer and registering an account for the user with the customer;
• and
• receiving a transaction confirmation from the financial institution computing system.