Person to person and social network electronic transactions using rich media

A method, comprising:

• receiving, by a system provider device through a network from a first sender device associated with a first sender, a payment request associated with the first sender and a receiver;
• determining, by the system provider device, a personalization configuration associated with the payment request;
• receiving, by the system provider device through the network from the first sender device, a personalized payment message according to the personalization configuration;
• storing, by the system provider device, the personalized payment message in association with the payment request;
• and
• communicating, by the system provider device through the network to a receiver device associated with the receiver, the payment request with the personalized payment message to cause a display of the payment request and playing of the personalized payment message on the receiver device.

A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

• receiving, through a network from a first sender device associated with a first sender, a payment request associated with the first sender and a receiver;
• determining a personalization configuration associated with the payment request;
• receiving, through the network from the first sender device, a personalized payment message according to the personalization configuration;
• storing the personalized payment message in association with the payment request configuration;
• and
• communicating, through the network to a receiver device associated with the receiver, the payment request with the personalized payment message to cause a display of the payment request and playing of the personalized payment message on the receiver device.