Systems and methods for message-enabled transfers

A provider computing system comprising:

• one or more processing circuits including one or more processors and one or more memories having instructions stored thereon that, when executed by the one or more processors, cause the one or more processors to:
• receive customer information associated with a customer from a biller computing system associated with a biller;
• transmit a transfer request message to a customer device;
• generate a transfer user interface accessible by the customer device via an embedded link within the transfer request message, the transfer user interface including a plurality of transfer preference options based on the customer information;
• receive a selected transfer preference option from the customer device;
• and
• initiate a transfer from a customer account associated with the customer to a biller account associated with the biller based on the selected transfer preference option.

One or more non-transitory computer-readable media having instructions stored thereon that, when executed by one or more processing circuits of a provider computing system associated with a provider, cause operations comprising:

• receiving customer information associated with a customer from a biller computing system associated with a biller;
• transmitting a transfer request message to a customer device;
• generating a transfer user interface accessible by the customer device via an embedded link within the transfer request message, the transfer user interface including a plurality of transfer preference options based on the customer information;
• receiving a selected transfer preference option from the customer device;
• and
• initiating a transfer from a customer account associated with the customer to a biller account associated with the biller based on the selected transfer preference option.