receiving, at a first processor of a social media system, a login request from a user device to log into a social media account, the login request comprising a social media handle for a user;

receiving, at the first processor, a link request to link the social media handle with a financial account associated with the user, the social media handle comprising a first readable string of characters;

transmitting, via a transceiver associated with the social media system, a link notification to an account provider system indicating the user wishes to link the social media handle with the financial account, the link notification comprising the social media handle;

generating, at a second processor associated with the account provider system, a first payment handle comprising a second readable string of characters, at least a first portion of the second readable string of characters comprising at least a predetermined portion of the first readable string of characters of the social media handle, at least a second portion of the second readable string of characters comprising a first identifier for a category of a first product or service, and a length of the first payment handle being customizable based on the user's security preferences;

receiving, via a graphical user interface (GUI) associated with the social media system, a first purchase request to purchase the first product or service associated with a first merchant other than the social media system;

generating, via the GUI and in response to receiving the first purchase request, a checkout page to purchase the first product or service, the checkout page comprising a handle field configured to receive the first payment handle generated by the account provider system and associated with the financial account, the first payment handle comprising the second readable string of characters insertable into the handle field;

receiving, at the first processor and via the handle field of the GUI, the first payment handle from the user device;

transmitting, via the transceiver and in response to receiving the first payment handle from the user device, a first payment request to the account provider system comprising the first payment handle and a cost associated with the first product or service;

determining, with the second processor, whether the first payment request was received from the social media account within the social media system;

generating, with the second processor, a first approval of the first payment request if (i) the first payment handle is linked to the social media handle, (ii) the financial account contains at least a first monetary amount equal to the costs associated with the first product or service, and (iii) the first payment request was received from the social media account within the social media system;

receiving, at the first processor, the first approval of the first payment request from the account provider system; and

transmitting, with the transceiver, the first monetary amount to a first merchant system associated with the first merchant to pay for the first product or service.