A system is configured to perform operations that include receiving an input corresponding to a transaction by a user at a merchant location and determining, based on the input, an identifier corresponding to the user. The operations also include authenticating, via an electronic network, the user with a payment provider server of a payment provider and accessing from the payment provider server based on the identifier, digital wallet information corresponding an account of the user that is maintained by the payment provider. The operations further include receiving a selection of a first digital payment instrument of one or more digital payment instruments and transmitting, via a payment network to a payment processor, payment instructions that cause the payment processor to process a payment corresponding to the transaction using first payment information associated with the first digital payment instrument.