Technologies are provided for completing e-commerce transactions over a P2P communications channel. According to one method, a secure P2P communications channel is established between a buyer node and a seller node. A request to perform an e-commerce transaction is transmitted from the buyer node to the seller node. In response to the request, a third-party clearinghouse is added to the P2P communications channel. Once the clearinghouse has been added to the P2P communications channel, a request is transmitted to the clearinghouse over the P2P communications channel to charge an account associated with the buyer node. The clearinghouse charges an account associated with the buyer node for the purchase and transmits a confirmation over the P2P communications channel indicating that the charge has been completed. When the seller node receives the confirmation, it delivers the purchased good to the buyer node.