Systems and methods for providing a user interface for facilitating personal payment transactions

A method for providing a personal payment transaction, comprising:

• determining a technical experience level for a payer or a payee according to one or more of the following associated with the payer or payee:
• age, commercial activities, input provided during a set up procedure related to a payment transaction system, information gathered from social networking sites, or prior usage of an application;
• generating, by a processor, a first interface for a payer to effect a personal payment transaction;
• receiving, by the processor, identifying information about a payee from the payer via the first interface;
• generating a second interface including one or more suggested recipients for receiving a payment from the payer based on the payee identifying information;
• receiving an identification of an identified payee from the payer via the second interface;
• generating a third interface including one or more options to fund the personal payment from the payer to the identified payee;
• generating a fourth interface including one or more payment routing options for the payer to route the payment associated with the personal payment transaction;
• generating a fifth interface including one or more payment receipt options for the identified payee to receive the payment associated with the personal payment transaction;
• and
• generating a sixth interface including one or more channels for the payer to communicate with the payee regarding the personal payment transaction,
• wherein generating at least one of the interfaces comprises customizing at least one of the interfaces based on the technical experience level.

A non-transitory computer readable medium storing instructions that, when executed by a processor, cause the processor to:

• determining a technical experience level for a payer or a payee according to one or more of the following associated with the payer or payee:
• age, commercial activities, input provided during a set up procedure related to a payment transaction system, information gathered from social networking sites, or prior usage of an application;
• generate a first interface for a payer to effect a personal payment transaction;
• receive, from the payer via the first interface, identifying information about a payee;
• generate a second interface including one or more suggested recipients for receiving a payment from the payer based on the payee identifying information;
• receive an identification of an identified payee from the payer via the second interface;
• generate a third interface including one or more options to fund the personal payment from the payer to the identified payee;
• generate a fourth interface including one or more payment routing options for the payer to route the payment associated with the personal payment transaction;
• generate a fifth interface including one or more payment receipt options for the identified payee to receive the payment associated with the personal payment transaction;
• and
• generate a sixth interface including one or more channels for the payer to communicate with the payee regarding the personal payment transaction,
• wherein generating at least one of the interfaces comprises customizing at least one of the interfaces based on the technical experience level.