The Bizwallet is a mobile application that can read a credit or debit card captured by camera and by manually entering
card details. It stores the information in a digitally encoded and encrypted QR code on the mobile device. The customer can then use the stored credit or debit card as a payment option for purchases. The merchant app BizwalletVendor reads the QR code from the client mobile device and processes payments for any service or items sold. The transactions details of the purchases can be viewed on the Bizwallet app in the mobile device.