Processing cardless payment transactions is described. In an example, a server system can receive a message from a mobile device of a user that includes a code identifying a merchant and can verify the identities of the merchant and the user based at least in part on account data stored in association with the server system. The server system can provide, to a merchant computer of the merchant, user information associated with the user account and can receive from the merchant computer, a request to authorize the cardless payment transaction. The server system can obtain authorization for the cardless payment transaction using account information associated with the merchant account and/or the user account, and can provide, to the merchant computer, notification of the authorization of the cardless payment transaction.