On-demand funding system

A system comprising:

• a processor;
• and
• a memory storing instructions that, when executed by the processor, configure the system to perform operations comprising:
• receiving order data for a requested order, the order data comprising an order item, an order amount, a transaction type, a funding source and a funding type;
• determining that the funding type is a deferred funding type;
• sending a first application programming interface (API) request to an external computer transfer system associated with the funding source, the first request comprising an instruction to transfer the order amount from the funding source to an intermediate bank account;
• based on the determination and the transaction type, determining a first fee amount associated with the requested order;
• generating a modified order amount by deducting the first fee amount from the order amount;
• sending a second API request, the second request comprising an instruction to transfer the first fee amount from the intermediate bank account to a point-of-sale system bank account;
• and
• sending a third API request, the third request comprising an instruction to transfer the modified order amount from the intermediate bank account to a deferred bank account.

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to perform operations comprising:

• receiving order data for a requested order, the order data comprising an order item, an order amount, a transaction type, a funding source and a funding type;
• determining that the funding type is a deferred funding type;
• sending a first application programming interface (API) request to an external computer transfer system associated with the funding source, the first request comprising an instruction to transfer the order amount from the funding source to an intermediate bank account;
• based on the determination and the transaction type, determining a first fee amount associated with the requested order;
• generating a modified order amount by deducting the first fee amount from the order amount;
• sending a second API request, the second request comprising an instruction to transfer the first fee amount from the intermediate bank account to a point-of-sale system bank account;
• and
• sending a third API request, the third request comprising an instruction to transfer the modified order amount from the intermediate bank account to a deferred bank account.