Aerapay technology is a mobile wallet enabler for secure financial transactions between customers and merchants via mobile phones (smart or non smart). Aerapay is an enabling platform for mobile payments. Aerapay is made available for PSP's / ISO / MSPs / Financial Institutions and Merchants. The software provides advanced functionality for financial transactions using mobile technology. Transaction costs of the Aerapay system are very low providing a huge benefit to merchants and end users, particularly in emerging economies. Aerapay can operate over any Telecom infrastructure, Payment provider and financial institution as it is designed to work with all of them. The company has game changing technology which will accelerate the move of payment systems to mobile platforms. Additional features in the software will provide huge marketing opportunities for merchants to interact with their customers.