Bluecode is a payment platform to facilitate payments to retail merchants and microenterprise. Unlike other payment offers, Bluecode is a full payment scheme that facilitates interoperability between any and all participating financial institutions. Bluecode is a domestic scheme based on local rules, but is fully operable with international payments and completely independent of the legacy plastic cards industry and their rules dictated by foreign card companies. Unlike card based systems, no personal data is ever transmitted or required in a transaction. Personal data is not stored on any device, neither by Bluecode nor on the customer’s phone, providing a simple and safe transaction journey. A “pre-authenticated” token links the customer to the seller with an instant payment and the interbank settlement between issuers and acquirers is settled by the scheme under local regulatory requirements. Local rules and local governance determine who can participate and how. All Bluecode needs is a locally accepted funding source; bank account, a non-bank FI or NMO e-wallet. The Bluecode user experience is a natural extension of everyday payments and phone use. The Bluecode SDK sits inside any existing mobile application already in use by the customer and requires no new software or application to be downloaded or accepted by the user. Seamlessly integrating inside existing banking mobile applications, e-wallets and resident in tier 1 retail registers. Feature phone enabled with the same payment in a USSD interaction.