Systems and methods are provided to facilitate online transactions via mobile communications. In one aspect, a system includes a communication interface to receive an input from a merchant; a plurality of converters to interface with a plurality of controllers for delivery of messages sent by the system to collect funds for purchases made by customers; and a common format processor coupled with the plurality of converters to send the messages. The common format processor determines a total price of one or more messages, in response to a first customer making a first purchase from the merchant at a first price. The total price of the one or more messages is based on the first price and a portion of service charges associated with the one or more messages, where the portion is specified by the input received via the interface.