Snap mobile payment apparatuses, methods and systems

A pay network server comprising:

• a processor;
• and
• a memory storing computer-executable instructions executable by the processor to cause the processor to:
• receive, from a merchant server, a checkout request including product data and client data, the product data corresponding to a product and the client data corresponding to a user computing device;
• in response to receiving the checkout request, generate a code that embodies the product data and merchant information required by the pay network server to process a card authorization request corresponding to account information of a user of the user computing device, wherein the card authorization request for a product corresponds to the product data;
• provide, to the merchant server, a checkout webpage including the code;
• in response to the user computing device capturing the code from the checkout webpage, receive, from the user computing device, the card authorization request wherein the card authorization request includes the product data and the merchant information embodied by the code;
• and
• send, to an issuer server, the product data, the merchant information, the account information, and a pay amount for the product to deduct the pay amount from an account corresponding to the account information.