a processor; and

a non-transitory computer-readable medium having stored thereon instructions that are executable to cause the system to perform operations comprising:

determining that account data for an account of a user is available via a first service provider;

determining a user-specific encrypted payment flow to process payment between a first website corresponding to a first service provider and a second website corresponding to a second service provider associated with the system, wherein the user-specific encrypted payment flow is unique for a specific user account, wherein the user-specific encrypted payment flow is based on a unique encryption key corresponding to the first service provider, and wherein the unique encryption key is one of a plurality of unique encryption keys associated with the second service provider and corresponding to a plurality of user-specific encrypted payment flows between the second website and a plurality of other service providers;

creating a secure communication link between the first website and the second website using encryption based on the unique encryption key corresponding to the first service provider;

causing, via the secure communication link, a user interface of a device of a user to be directed from a first display of information of the first website to a second display of information of the second website;

requesting account data of the user from the first service provider via the secure communication link;

receiving the account data from the first service provider through the secure communication link;

populating the account data in the user interface for a digital wallet of the user with the system, wherein the user interface outputs the account data through a digital wallet interface accessible by the device of the user;

determining processing instructions associated with the account data;

completing an instance of the user-specific encrypted payment flow by processing the account data based on the processing instructions associated with the account data; and

configuring the user-specific encrypted payment flow such that a subsequent instance of the user-specific encrypted payment flow is completed via the second website without the user interface of the device of the user being required to access the first website to complete the subsequent instance of the user-specific encrypted payment flow.