Authorizing peer-to-peer payments in messaging applications

A system, comprising:

• a memory storing multiple instructions;
• and
• one or more processors configured to execute the instructions to cause the system to:
• receive, in a server hosting a messaging application, a selection of a transaction recipient by a user of the messaging application;
• verify a validity of the transaction based on at least one of a user attribute, and a transaction recipient setting in the messaging application;
• when the transaction is validated, provide the user of the messaging application with an approval button for accepting the transaction;
• apply the transaction when the user of the messaging application accepts the transaction;
• and
• disable the approval button when the transaction is not validated.

A computer-implemented method, comprising:

• providing, with a client device, a request for a transaction with a recipient via a messaging application hosted by a remote server;
• receiving, from the remote server, a transaction authorization request based on at least one of a user attribute, and a transaction recipient setting in the messaging application, the transaction authorization request comprising an approval button;
• and
• approving the transaction when the approval button is enabled by the remote server.