Virtual Account Use

A system comprising:

• at least one storage device to store a plurality of listings for items listed on an online marketplace, the plurality of listings including at least a first listing for a first item and a second listing for a second item, the first item listed by a first user account of the online marketplace and the second item listed by a second user account of the online marketplace;
• and
• at least one server device storing instructions that are executable by a processer to cause the at least one server device to:
• publish the plurality of listings via the online marketplace;
• provide, in connection with a third user account purchasing the first item via the first listing, first monetary compensation to the first user account from the third user account by updating a balance of a virtual account that corresponds to the first user account to include the first monetary compensation;
• and
• provide, in connection with the first user account purchasing the second item via the second listing, at least a portion of the balance to the second user account directly from the virtual account as second monetary compensation.

A method comprising:

• displaying, via a first user interface of an online marketplace, a graphical user interface element comprising an option to opt in to use a virtual account;
• in response to receiving input selecting the option to opt in a first user account to use a virtual account, permitting the first user account to use a first virtual account on the online marketplace, the first virtual account maintaining funds for use within the online marketplace by the first user account;
• in response to receiving input to list a first item on the online marketplace for the first user account, publishing a listing for the first item on the online marketplace, the listing for the first item including a first selectable button to purchase the first item from the first user account;
• in response to input by a second user account to the first selectable button, facilitating a first transaction between the second user account and the first user account, including:
• transferring ownership of the first item to the second user account;
• and
• providing a first monetary compensation from the second user account to the first virtual account of the first user account directly;
• in response to the first transaction, displaying, via a second user interface of the online marketplace and in real-time, a balance of the first monetary compensation that is available to the first user account for immediate use within the online marketplace to purchase a second item listed on the online marketplace from a third user account;
• and
• in response to input by the first user account to a second selectable button to purchase the second item from the third user account, displaying a prompt that is selectable by the first user account to use the balance immediately for purchasing the second item from the third user account without transfer to an intermediate account.