The present invention involves a server for accommodating multiple payments in an e-commerce transaction. The server includes a processor with a communications device and software modules. The vendor software module is adapted to receive payment requirements from a vendor via the communications device, and also to receive payment parameters from an initiator. The payment parameters include an item payment amount and an identification of at least one contributor. The contributor software module is adapted to obtain payment information from at least one of the initiator and the contributors wherein the payment information is sufficient to authorize the commitment of funds to a transaction. The aggregation software module is adapted to send participation messages via the communications device to at least one contributor. The participation messages include information on the item, the item payment amount, and directions for the contributor to interact with the contributor module. Further, the aggregation software module maintains a total of committed funds and initiates a payment transaction when the committed funds are sufficient to pay the vendor the item payment amount.