Cardless payment transactions with multiple users

A payment system comprising:

• one or more memories having computer-readable instructions stored therein;
• and
• one or more processors configured to execute the computer-readable instructions to:
• receive transaction information associated with cardless payment transactions between a plurality of users and a plurality of merchants;
• present, on a user interface associated with a first device of a first user, a list of cardless payment transactions between one or more merchants of the plurality of merchants and one or more users of the plurality of users, wherein the list of cardless payment transactions is customized based on a relevancy of the one or more users to the first user and the relevancy is determined based on prior transactions between the first user and the one or more users;
• receive, via the user interface of the first device, a request to join a cardless payment transaction from the list of cardless payment transactions, wherein the cardless payment transaction has been or will be conducted between a second user of the one or more users and a merchant of the one or more merchants having a merchant device;
• in response to receiving the request, automatically join the first user to the cardless payment transaction conducted between the second user and the merchant, wherein joining the first user to the cardless payment transaction causes a data structure maintained by the payment system to be populated with information associated with the cardless payment transaction;
• receive, via the first device associated with the first user or via the merchant device, transaction data including a payment amount in relation to the cardless payment transaction;
• and
• process a cardless payment between the first user and the second user or the merchant for the payment amount.

One or more non-transitory computer-readable media comprising computer-readable instructions, which when executed by one or more processors of a payment system, cause the payment system to:

• determine transaction information associated with cardless payment transactions between a plurality of users and a plurality of merchants;
• present, on a user interface associated with a first device of a first user, a list of cardless payment transactions between one or more merchants of the plurality of merchants and one or more users of the plurality of users, wherein the list of cardless payment transactions is customized based on a relevancy of the one or more users to the first user and the relevancy is determined based on prior transactions between the first user and the one or more users;
• receive, via the user interface of the first device, a request to join a cardless payment transaction from the list of cardless payment transactions, wherein the cardless payment transaction has been or will be conducted between a second user of the one or more users and a merchant of the one or more merchants having a merchant device;
• in response to receiving the request, automatically join the first user to the cardless payment transaction conducted between the second user and the merchant, wherein joining the first user to the cardless payment transaction causes a data structure maintained by the payment system to be populated with information associated with the cardless payment transaction;
• receive, via the first device associated with the first user or via the merchant device, transaction data including a payment amount in relation to the cardless payment transaction;
• and
• process a cardless payment between the first user and the second user or the merchant for the payment amount.