Abstract: One embodiment of the invention is directed to a method comprising receiving, at a mobile payment system, transaction information from a mobile device operated by an originating user. The method further comprises generating, by the mobile payment system, a transaction request message using the transaction information from the mobile device operated by the originating user and analyzing, by the mobile payment system, the transaction request message to determine a type of the transaction. The method further comprises processing, by the mobile payment system, the transaction based on the type of the transaction, wherein the mobile payment system is configured to integrate at least two of an issuer, acquirer, and payment processing network functional modules.