Web location implementing payment proxy

A computer-implemented method comprising:

• receiving, by one or more processors of a payment service system associated with a payment service, from a user device of a first user via an application executing on the user device, data associated with a payment by the first user to a second user, wherein the data includes a payment amount,
• determining, by the one or more processors, an identifier of the first user;
• determining, by the one or more processors and based at least in part on the identifier of the first user, that the first user is associated with a first account status of a plurality of account statuses, wherein the first account status comprises nonexistence of any user account of the first user with the payment service, and wherein a second account status of the plurality of account statuses comprises existence of an established user account of the first user with the payment service;
• and
• responsive to determining that the first user is associated with the first account status, causing presentation, by the one or more processors and on a display of the user device, of a user interface including a prompt for financial account information of a financial account of the first user for the payment to a financial account of the second user.

A system associated with a payment service comprising:

• one or more processors;
• and
• one or more non-transitory computer-readable media storing instructions executable by the one or more processors, wherein the instructions cause the one or more processors to perform acts comprising:
• receiving, from a user device of a first user via an application executing on the user device, data associated with a payment by the first user to a second user, wherein the data includes a payment amount;
• determining an identifier of the first user;
• determining, based at least in part on the identifier of the first user, that the first user is associated with a first account status of a plurality of account statuses, wherein the first account status comprises nonexistence of any user account of the first user with the payment service, and wherein a second account status of the plurality of account statuses comprises existence of an established user account of the first user with the payment service;
• and
• responsive to determining that the first user is associated with the first account status, causing presentation, on a display of the user device, of a user interface including a prompt for financial account information of a financial account of the first user for the payment to a financial account of the second user.

One or more non-transitory computer-readable media associated with a payment service, storing instructions executable by one or more processors that, when executed by the one or more processors, cause the one or more processors to perform acts comprising:

• receiving, from a user device of a first user via an application executing on the user device, data associated with a payment by the first user to a second user, wherein the data includes a payment amount;
• determining an identifier of the first user;
• determining, based at least in part on the identifier of the first user, that the first user is associated with a first account status of a plurality of account statuses, wherein the first account status comprises nonexistence of any user account of the first user with the payment service, and wherein a second account status of the plurality of account statuses comprises existence of an established user account of the first user with the payment service;
• and
• responsive to determining that the first user is associated with the first account status, causing presentation, on a display of the user device, of a user interface including a prompt for financial account information of a financial account of the first user for the payment to a financial account of the second user.