A method for enabling a transfer of funds through a computer network between a first party registered with a computer server of the computer network and a second party not previously registered with the computer server. The transfer of funds includes payments or requests for money initiated by the first party. In one aspect, the method includes receiving payment instructions from the first party; sending an email to a second party with directions for receiving the payment amount; and, if the directions are followed, transferring the payment amount to the second party. In another aspect, the method includes receiving a request for money from the first party; sending a notification to the second party with directions for providing the requested amount to the first party; and, if the directions are followed, transferring the requested amount from the second party to the first party.