System and method for allowing and making a monetary payment using communications network

A method for making a monetary payment, comprising:

• prompting a payment sum to be debited from a payment account;
• debiting using transmission of a success message from a first payment system to a second payment system via a communications link;
• and
• transmitting a receiver success message to a payment receiver.

A method for making a monetary payment, comprising:

• prompting detection of a payment sum for settlement with a payment sender;
• detection using transmission of a success message from a first payment system to a second payment system via a communications link;
• and
• transmitting a receiver success message to a payment receiver.

A system for allowing a monetary payment using a first communications network, where a payment sender has access to a communications terminal in the first communications network, comprising:

• a payment receiver transmits a payment message about the payment sender;
• and
• a second payment system receives the payment message and recognizes that the payment sender is not associated with the second payment system, wherein
• the second payment system sends a request about the first payment system to a switching node which is connected to the first payment system, and
• the switching node sends an identifier for a communications link connecting the first payment system and the second payment system to one of the payment systems to allow the communications link to be set up and to allow a subsequent monetary payment using the communications link.