The present disclosure provides a computer-implemented method for facilitating a cashless transaction between a merchant and a customer, a system implementing the method, and a non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor to perform steps of the method. The method includes receiving, from an electronic device of the merchant, a transaction message including merchant identification data, customer identification data, and data on cost of the transaction, retrieving, from a merchant database, a profile of the merchant identified by the merchant identification data, communicating a payment message to a mobile device of the customer identified by the customer identification data, receiving, from the online payment interface accessible by the customer mobile device via the address link, authorization of the transaction by the customer and details of a customer payment vehicle, and transferring the transaction cost from the customer payment vehicle to the merchant financial account.