A computer-implemented method of facilitating a transaction between a payer and a payee, the method comprising: the payer using a web browser on a first computer apparatus to make a purchase and to select payment using a tokenised payment transaction scheme; the web browser providing a link token to computing apparatus of a distributor, wherein the distributor is associated with the payee for collecting payments due to the payee; the distributor's computing apparatus sending a request for a payment identification code to computing apparatus of a payment agent, wherein the request for a payment identification code comprises payment information identifying the payee and the amount to be paid and further comprises the link token; the payment agent's computing apparatus receiving the request for payment and responsively (i) generating a payment identification code to be associated with the payment information that is unique thereby allowing the payment to be unambiguously identified, (ii) storing the payment identification code with the associated payment information, (iii) using the link token to retrieve stored contact details of a second computer apparatus associated with the payer, and (iv) sending a notification that a payment has been requested to the payer's second computer apparatus wherein the notification includes the payment identification code; the payer's second computing apparatus receiving the notification and responsively displaying a prompt that a payment has been requested; the payer's second computing apparatus receiving the payment information, displaying the payment information for authorisation by the payer, receiving an authorisation from the payer, and sending a request to pay message including the payment identification code to computing apparatus of a financial institution, wherein the financial institution is a financial institution associated with the payer for making payments from the payer; and the financial institution's computing apparatus arranging a payment from the payer to the payee. the payer using a web browser on a first computer apparatus to make a purchase and to select payment using a tokenised payment transaction scheme; the web browser providing a link token to computing apparatus of a distributor, wherein the distributor is associated with the payee for collecting payments due to the payee; the distributor's computing apparatus sending a request for a payment identification code to computing apparatus of a payment agent, wherein the request for a payment identification code comprises payment information identifying the payee and the amount to be paid and further comprises the link token; the payment agent's computing apparatus receiving the request for payment and responsively (i) generating a payment identification code to be associated with the payment information that is unique thereby allowing the payment to be unambiguously identified, (ii) storing the payment identification code with the associated payment information, (iii) using the link token to retrieve stored contact details of a second computer apparatus associated with the payer, and (iv) sending a notification that a payment has been requested to the payer's second computer apparatus wherein the notification includes the payment identification code; the payer's second computing apparatus receiving the notification and responsively displaying a prompt that a payment has been requested; the payer's second computing apparatus receiving the payment information, displaying the payment information for authorisation by the payer, receiving an authorisation from the payer, and sending a request to pay message including the payment identification code to computing apparatus of a financial institution, wherein the financial institution is a financial institution associated with the payer for making payments from the payer; and the financial institution's computing apparatus arranging a payment from the payer to the payee. <EOS>