A payment system for facilitating a desired transaction over a social media platform includes a computer server programmed and operating to maintain a user account in a database, the user account including at least a user credential, a user computing device credential, and a user mobile credit account. The computer server maintains a merchant account in the database, the merchant account including at least a merchant mobile credit account. The computer server further operates to authenticate the user, authenticate the user computing device, and process a debit to the user mobile credit account a credit to the merchant mobile credit account.