mobileAxept have developed and operates a patented mobile phone commerce and payment service which enables the user to pay for goods and services anyplace, anytime 24/7 without the need for physical payment terminals on the merchant side. mobileAxept becomes the roaming payment terminal, expanding the eCommerce field to mCommerce or mobileCommerce. The system uses existing credit card accounts or bank accounts and submits payments via existing banking or credit card approved infrastructure. There is no need to install software on the mobile phone or to involve the mobile phone operators or banks in the payment process. New users can utilize the system on the spot without registration on the internet or other places.