1. A method, comprising: a computer system storing digital pass information for a user that includes: authentication information for logging the user into a plurality of merchant systems; preference information indicating items and activities of interest to the user; financial information that includes one or more transaction accounts; and address information for the user; subsequent to the user accessing a website of a particular one of the plurality of merchant systems, the computer system presenting, to the user, a suggested set of the authentication information usable to log the user into an account hosted by the particular merchant system, wherein the suggested set includes a username and a password associated with the account; receiving, by the computer system, a request to log the user into the account hosted by the particular merchant system, wherein the request includes a selection, by the user, of the suggested set of the authentication information; accessing, by the computer system, the suggested set of the authentication information within the digital pass information for the user; accessing, by the computer system, a set of the preference information for the user; sending, by the computer system to the particular merchant system, the suggested set of the authentication information and the set of the preference information, wherein the particular merchant system is configured to utilize the set of the preference information to select customized content for the user and present, to the user, a customized webpage of the web site that includes the customized content; receiving, by the computer system, transaction information indicating that a transaction has been initiated by the user via the customized webpage, wherein the transaction is for an item indicated by the customized content; receiving, by the computer system, a selection of a particular transaction account of the one or more transaction accounts indicated in the digital pass information for the user; based on an amount of payment included in the transaction information, the computer system determining that an amount of available credit indicated by the particular transaction account corresponding to the user exceeds or is equal to the amount of payment; and in response to authorizing the transaction, the computer system: causing a transfer of payment for the transaction from the particular transaction account of the user to a financial account associated with the particular merchant system; and providing the address information to the particular merchant system for delivering the item to the user.