A computer-implemented method for facilitating a merchant transaction comprises providing a list of one or more merchants that are in geographic proximity to a geolocation of a payer, and receiving a request from the payer to conduct a transaction with a merchant among the one or more merchants. The request can be received by a computer system programmed to facilitate the transaction. The transaction can then be processed with the aid of the computer system. A tip selection, which can include a tip amount, can be applied to the transaction. In some cases the tip selection is received from the payer as a selectable option. In other cases, the tip selection is automatically applied to the transaction without involvement from the payer during or upon the termination of the transaction.