this relates to transferring funds from a payer to a payee in a electronic payment system . the electronic payment system includes a payment processor and an accounts database . the payment processor receives a payment request from the payer . the payment request includes information to identify the payee and a payment amount . an accounts database is accessed to determine if the accounts database includes an account associated with the payee . based on a determination that the accounts database includes an account associated with the payee , an electronic message is sent from the payment processor to the payee , to notify the payee of the payment request . the accounts database is accessed to determine if the payee is identified as having a trusted relationship with the payer .