In some examples, a payment processing system may receive, from a plurality of merchant POS terminals, transaction information of transactions performed between a plurality of merchants and a plurality of buyers. Further, the system may receive, from a first buyer, a request to finance a purchase of an item at a first merchant. The system may determine, based at least in part on the transaction information, financing terms for the first buyer for purchasing the item from the first merchant, the financing terms may include an approved financed amount for making the purchase from the first merchant. The system may receive an acceptance of the terms from the buyer and may generate a payment code associated with the financing terms and the first merchant that enables the customer to finance the purchase with the first merchant, such as at a POS terminal of the first merchant.