1. A method for making payments across multiple payment networks including a first payment network having a first payment service provider and a plurality of associated payers and payees, and a second payment network having a second payment service provider and a plurality of associated payers and payees, comprising: receiving, at a first payment service provider, a request to make a payment on behalf of a payer to a payee not associated with the first payment network; transmitting a request of the first payment service provider to determine a payment network within the multiple payment networks with which the payee is associated; receiving information indicating that the payee is associated with the second payment network; and transmitting a payment instruction from the first payment service provider to the second payment service provider to make the payment to the payee.