mPay solution is a proprietary, innovative technology that enables to authorize, process and arrange settlement of transactions initiated with any kind of mobile handset. The platform is universal (compatible with any mobile network and any phone), easy to use (with a single interactive scenario), and comes with a low cost to the payer, payee and the operator (no need for new phones, phone modifications or special configurations). While its primary access interfaces are USSD-text and voice-IVR sessions (chosen based on user preferences), mPay system is also NFC-ready.