PRE-PAY is a secure mobile (cellular) phone payment tool for store, web and app purchases. PRE-PAY (formerly Mobile Wallet) was inspired by the market opportunity to enable a broader number of consumers including those with a poor credit rating to purchase items from the Internet via a pre-pay mobile phone. In 2017, the number of consumers that don't have a credit card was estimated at 95% in Africa, 35% in the UK, 34% in the US and 17.5% in Canada. The payment tool has now developed to become a mobile bank account that can also receive payments with full traceability.