Ways of Making Bill Payments Using Your Mobile Phone

Mobile transactions have made payments convenient and seamless. Several mobile payment platforms have emerged over the years making day-to-day transactions easy and secure from our mobile devices.

Today, there are four primary models for mobile payments, they are:

  • SMS based transactional payments – This is great for making payments in the absence of smartphones. All that is needed is a phone with the capacity of receiving SMS.
  • Direct Mobile Billing – This requires integration with mobile network operators.
  • Mobile web payments (WAP) – This is simply using a Wireless Application Protocol (WAP) facility with your smartphone by connecting to the internet to make use of online wallets such as Yahoo wallet, Google Checkout, Amazon Payments, or PayPal.
  • Contactless NFC (Near Field Communication) -This involves a more direct and almost instantaneous data transfer between phones or phones and point of sale devices.

NFC phones and NFC enabled points of sale devices transfer information, i.e. money, using radio frequency identification.

Here Are Some of the Apps and Services That Are the Movers and Shakers of the Mobile Payments Scene


PayPal is a mobile online payment service where users can send or request money from the app (in-App payment) and also for keeping money in their PayPal accounts for instant transfers (mobile Internet payments). These payment services can be carried out on all major smartphone platforms and mobile-friendly websites. In some stores, bill payments can be made using your PayPal account.


For lovers of social networking, Venmo is a free and easy to use peer-to-peer transfers from its platform to mobile numbers, email addresses or Facebook accounts. It is an SMS and Web-based payment platform based on the concept of mutual trust. While transactions can be done via SMS, the actual transaction processing is carried out online using an SSL secured connection with encrypted data for security purposes.


Square is a mobile payment service that effectively turns every iPhone, iPad or Android device into a cash register with a small white square card reader which is inserted into the headphone jack.

Square also allows customers to make payments via cardless payments by simply checking-in at the store through the Square Wallet app.

Apple Pay

Apple Pay uses its fingerprint reader is for payment authentication and works with iPhone, iPad, and Apple Watch.

Verification of the expiration date on your card or entering your security code is not required, as all the information needed is stored on your device.

Google Wallet

Google also offers mobile payments through Google Wallet. It’s a bank-to-bank transfer app using a default payment method, with Google as the mediator of bank details.

The mobile payments space has continued to evolve with diverse innovations in the past few years. Although many of the proffered solutions may die out or develop into something different, the mobile payment space is an important facet of money transactions that cannot be ignored.

Leave a Reply

Your email address will not be published. Required fields are marked *

Fill out this field
Fill out this field
Please enter a valid email address.