Abstract: A method and apparatus facilitate financial transactions using sources of pre-established funds. A source of pre-established funds can be uploaded to a secure server using an app that is operable on a mobile electronic device. The source of pre-established funds can be used by an owner to initiate a financial transaction, such as by using the app to open a tab at a venue, in which the venue might apply a number of charges for the purchase of food, beverage, merchandise, and the like, and can also permit the owner of the source of pre-established funds to add a gratuity to the tab for final charging to the source of pre-established funds. The source of pre-established funds is usable to complete a financial transaction and to thereby cause a financial obligation that arises from the financial transaction to be paid using the source of pre-established funds.