Authorization of cardless payment transactions

A method of facilitating transaction processing, the method comprising:

• processing, by a server associated with a payment processing service (PSS), a first transaction between a customer and a merchant using payment medium information read by a merchant device, the payment medium information associated with the customer;
• generating, by the server, a link such that activation of the link causes a customer account to be automatically created for the customer in a data store of the PSS, wherein the payment medium information is associated with the customer account in the data store;
• creating, at the server automatically in response to identifying that the link has been activated, the customer account;
• retrieving, by the server from the data store, the payment medium information in response to identifying a second transaction involving the customer and based on identification of the customer account within the data store;
• and
• processing the second transaction involving the customer as a cardless transaction using the payment medium information associated with the customer account.

A system of facilitating transaction processing, the system comprising:

• one or more data stores;
• one or more memory units storing instructions;
• and
• one or more processors executing the instructions, wherein execution of the instructions by the one or more processors causes the one or more processors to:
• process a first transaction between a customer and a merchant using payment medium information read by a merchant device, the payment medium information associated with the customer,
• generate a link such that activation of the link causes a customer account to be automatically created for the customer in the one or more data stores, wherein the payment medium information is associated with the customer account in the one or more data stores,
• create the customer account automatically in response to identifying that the link has been activated,
• retrieve the payment medium information from the one or more data stores in response to identifying a second transaction involving the customer and based on identification of the customer account within the one or more data stores;
• and
• processing the second transaction involving the customer as a cardless transaction using the payment medium information associated with the customer account.