Systems and methods for completing a permissioned payment are described herein. The system includes a network interface structured to facilitate data communication via a network, an accounts database structured to store information associated with one or more accounts held by a financial institution, including a payment account associated with a customer and a customer identifier, and a processing circuit. The processing circuit is configured to receive a purchase approval request including a purchase amount and the customer identifier and generate a notification in response to determining that the purchase amount exceeds a threshold payment amount, the notification indicating that the purchase approval request requires voting approval via a voting approval process, transmit the notification to a customer device, conduct the voting approval process including receiving votes from a plurality of social connections of the customer, and authorize or decline the purchase approval request based on the voting approval process.