Federated identifiers for cross-platform interoperability

A system comprising:

• a processor;
• and
• a memory coupled to the processor, with instructions stored thereon that, when executed by the processor, cause the processor to perform operations comprising:
• receiving, by a first payment service from a first user, a transfer request for a second user to provide a payment to the first user;
• determining that the second user is not associated with the first payment service;
• providing, by the first payment service to the second user, the transfer request;
• receiving an indication of interaction with the transfer request;
• responsive to receiving the indication of interaction with the transfer request providing, by the first payment service, a user interface that includes an option to pay with one or more second payment services, wherein the one or more second payment services are different from the first payment service based on the determination that the second user is not associated with the first payment service;
• and
• receiving, by the first payment service, a confirmation that the second user fulfilled the transfer request using a particular second payment service of the one or more second payment services.

A non-transitory computer-readable medium with instructions stored thereon that, when executed by one or more computers, cause the one or more computers to perform operations, the operations comprising:

• receiving, by a first payment service from a first user, a transfer request for a second user to provide a payment to the first user;
• determining that the second user is not associated with the first payment service;
• providing, by the first payment service to the second user, the transfer request;
• receiving an indication of interaction with the transfer request;
• responsive to receiving the indication of interaction with the transfer request providing, by the first payment service, a user interface that includes an option to pay with one or more second payment services, wherein the one or more second payment services are different from the first payment service based on the determination that the second user is not associated with the first payment service;
• and
• receiving, by the first payment service, a confirmation that the second user fulfilled the transfer request using a particular second payment service of the one or more second payment services.