Abstract: A mobile payment processing system comprises a data store storing: payment gateway credentials for each of a plurality of vendors, the payment gateway credentials being used for accessing a selected payment gateway; and consumer payment credentials for consumers that have transacted with any one of the plurality of vendors, with the credentials being stored in association with a unique consumer identifier. The system further comprises a third-party payment processing facilitator which implements a backend operable to access the data store, as well as being operable to communicate with each of the plurality of vendors and at least one payment gateway.