A method of managing a cardless payment transaction between a customer and a merchant includes receiving, from a device of a customer, an indication of consent to join the customer to a cardless payment transaction, where the cardless payment transaction is between one or more other customers and the merchant; receiving from the customer device, location data indicating that the customer device is in proximity with the merchant; joining the customer with the cardless payment transaction between the one or more other customers and the merchant; receiving transaction data between the merchant and each customer; and submitting, for each customer associated with the cardless payment transaction, a transaction between the merchant and the customer to a financial service for authorization.