A computer implemented system for processing payments for goods or services, the system comprising: a payment processor configured to receive an encrypted payment request for goods or services from a merchant, wherein the payment request includes a mobile phone number of a user; and a mobile operator in which the mobile phone number and a mobile phone account of the user are deposited; the payment processor is configured to send an encrypted payment authorization request message to the mobile operator of the user requesting authorization for payment of the payment request; the mobile operator is configured to receive the encrypted payment authorization request message from the payment processor and to verify the user's mobile phone number; the mobile operator is configured to send a text message to the user's mobile phone requesting a response from the user for approval to charge the mobile phone account using a personal identification number; the mobile phone of the user is configured to send a payment authorization text message including the personal identification number associated with the mobile phone number to the mobile operator for authentication purposes; the mobile operator is configured to receive and authenticate the user's personal identification number, to charge the mobile phone account for the amount to pay the merchant for goods or services and to pay the payment processor with the amount previously charged from the mobile account of the user in case the personal identification number has been authenticated; the mobile operator is configured to send an encrypted payment authorization text message to the payment processor authorizing or not authorizing to pay as per the terms agreed between the user and the merchant; the payment processor is configured to receive the encrypted payment authorization message from the mobile operator authorizing or not authorizing the payment of the payment request; if the payment authorization message from the mobile operator of the user authorizes the payment of the payment request, the payment processor is configured to pay the merchant for the goods or services with the amount charged from the mobile phone account and transmitted to the payment processor by means of the mobile operator; and if the payment authorization message from the mobile operator of the user does not authorize the payment of the payment request or if the payment authorization message is not received within a predetermined period of time, the payment processor is configured to decline to pay the merchant for the goods or services. a payment processor configured to receive an encrypted payment request for goods or services from a merchant, wherein the payment request includes a mobile phone number of a user; and a mobile operator in which the mobile phone number and a mobile phone account of the user are deposited; the payment processor is configured to send an encrypted payment authorization request message to the mobile operator of the user requesting authorization for payment of the payment request; the mobile operator is configured to receive the encrypted payment authorization request message from the payment processor and to verify the user's mobile phone number; the mobile operator is configured to send a text message to the user's mobile phone requesting a response from the user for approval to charge the mobile phone account using a personal identification number; the mobile phone of the user is configured to send a payment authorization text message including the personal identification number associated with the mobile phone number to the mobile operator for authentication purposes; the mobile operator is configured to receive and authenticate the user's personal identification number, to charge the mobile phone account for the amount to pay the merchant for goods or services and to pay the payment processor with the amount previously charged from the mobile account of the user in case the personal identification number has been authenticated; the mobile operator is configured to send an encrypted payment authorization text message to the payment processor authorizing or not authorizing to pay as per the terms agreed between the user and the merchant; the payment processor is configured to receive the encrypted payment authorization message from the mobile operator authorizing or not authorizing the payment of the payment request; if the payment authorization message from the mobile operator of the user authorizes the payment of the payment request, the payment processor is configured to pay the merchant for the goods or services with the amount charged from the mobile phone account and transmitted to the payment processor by means of the mobile operator; and if the payment authorization message from the mobile operator of the user does not authorize the payment of the payment request or if the payment authorization message is not received within a predetermined period of time, the payment processor is configured to decline to pay the merchant for the goods or services.