Systems and methods provide for using a boarding pass as a financial instrument to make payments and other financial transactions. A passenger name record, a standardized computer reservation system protocol, can be associated with one or more financial accounts. When a point of sale device scans the boarding pass, either on a mobile device, or a traditional paper boarding pass, the passenger name record can be used to find a travel itinerary associated with the customer. By matching the travel itinerary to location of the point of sale device, and the time, payments can be authorized, and then initiated using financial account information associated with the passenger name record.