Systems and methods for geofence-based transaction communications

A method comprising:

• receiving, by a transfer service computing system and from a provider computing system or from a user interface displayed on a user device of a recipient via the transfer service computing system, an offer relating to a merchant and corresponding to a geographical area associated with the merchant;
• identifying, by the transfer service computing system, a geofence including the geographical area associated with the merchant;
• receiving, by the transfer service computing system, a real-time location of the user device using a global positioning system of the user device;
• determining, by the transfer service computing system, that the real-time location of the user device is within the geofence;
• transmitting, by the transfer service computing system and to the user device, the offer responsive to the determination that the location of the user device is within the geofence, wherein the offer is transmitted to the user device only after the user device has entered the geofence;
• causing, by the transfer service computing system, the offer to be presented to the user via the user interface displayed on the user device;
• and
• transmitting a transaction request to the provider computing system or to a third-party computing system based on receiving an acceptance of the offer from the user device via the user interface.

A non-transitory computer-readable medium storing instructions that, when executed by one or more processors of a processing circuit, cause the processing circuit to:

• receive, from a provider computing system or from a user interface displayed on a user device of a recipient via a transfer service computing system, an offer relating to a merchant and corresponding to a geographical area associated with the merchant;
• identify a geofence including the geographical area associated with the merchant;
• receive a real-time location of the user device using a global positioning system of the user device;
• determine that the real-time location of the user device is within the geofence;
• transmit, to the user device, the offer responsive to the determination that the location of the user device is within the geofence, wherein the offer is transmitted to the user device only after the user device has entered the geofence;
• cause the offer to be presented to the user via the user interface displayed on the user device;
• and
• transmit a transaction request to the provider computing system or to a third-party computing system based on receiving an acceptance of the offer from the user device via the user interface.