A method including receiving a funds transfer request from a sender through a computer network to facilitate a transfer of funds to a recipient. The method also can include determining that the recipient is not a registered user of the computer-implemented funds transfer payment network. The method additionally can include automatically transmitting an invitation to the recipient to join the computer-implemented funds transfer payment network. The invitation can be directed to the recipient using the token for the recipient from the funds transfer request by sending the invitation to the recipient using the token. The method further can include receiving a response to the invitation from the recipient. The method additionally can include collecting identifying information that identifies the recipient. The method further can include creating a record for the recipient in a database of registered users contained in the computer-implemented funds transfer payment network. The method additionally can include providing an identifier of the recipient account to the sender financial institution to enable the sender financial institution to initiate the transfer of the funds from the sender account to the recipient account. Other embodiments are disclosed.